Here's an example of someone's experience installing and using a "mini-split" heat pump for their house: https://www.sustainablelafayette.org/single-post/home-electr...
They do have some problems with extreme cold (not really an issue in Scotland or most of Europe for that matter) but even in such a case should still be used together with plain resistance heating. But that kind of cold has very few people living there anyway (think -30c or colder)
https://en.wikipedia.org/wiki/Coefficient_of_performance
Models made for cold climate work to around -30c. Wikipedia has okish writeup about their functionality in cold climates
https://en.wikipedia.org/wiki/Air_source_heat_pump#In_cold_c...
Don't really have any good sources in English for this (most reading I have done on this is in Finnish)
For example here are some excerpts from a report done by VTT (the Finnish governments research center)
https://www.scanoffice.fi/vttn-testiraportit-ilmalampopumppu...
If you scroll down you can find some pics "lämpökerroin" is COP and "ulkoilman lämpötila" is outside temperature.
From that you can see that the combo of Mitsubishi Electric MSZ-LN25VGW + MUZ-LN25VGHZ still holds a COP of 2 at -30c. On the models not made for such climate/cheap ones you can see it drop to 1 (or below)
The average UK household uses about 3,800 kWh per year.
Yeah many are just growing a layer of fat and hybernating. Hence the obecity rates