Is it actually easy to find accommodation in Germany around Christmas?
Germany is a big place.
Would any of these places ..
I wouldn't want to give guarantees one way or the other. My experience is that there is always accommodation for transients, people who are in one day and out the next. This 'layer' of travel dynamic generally slips under the radar of hotel booking sites, and even goes unnoticed by people planning weekend getaways, 1-2 week holidays and so on.
You can go to most middle to large cities, and even small towns, step out of the train station and see 'hotel' signs within 100m. There are always hotels near train stations: they're there for a reason. May not be the nicest rooms or best part of town .. you'll likely find a tourist office which offers assistance in finding rooms. The infrastructrure that was in place before internet is still there.
You may develop a feel for this once you're on the road. I'm prepared to take what I can find - if only for a night. A guidebook plus map gives me ideas about where to look for budget accom. Then I go hunt - not an issue in the bigger cities.
If your tolerance for uncertainty/unpredictability is lower, then you can always book ahead, just to ease your mind. There's no point worrying about it. I have no problem with booking ahead if I know where I'm going and when. I'll need a room sooner or later, why not sooner if I don't set a priority on flexibility?
Munich to Paris
I'd expect there would be an overnight train with couchettes.
Check http://www.bahn.de/i/view/DEU/en/index.shtml there might be early booking promotion fares as well
Better to post the Spain and Scotland questions as separate threads (Scotland on appropriate branch)
If I err on the side of less is it possible to get appropriate warm clothes over there?
Of course. The people who live here like to keep warm. Street markets are always a place for cheap throw-away clothes.
As far as layering is concerned, backpackers do it because they're likely to be travelling through large temperature differences and don't want a heavy coat when they're around the warmer Mediterranean area. Usually, a lined waist-level jacket is enough, combined with t-shirt, shirt, sweater/fleece, and scarf/hat is enough for the more extreme cold temperatures. You I prefer a fleece with zip front because it also passes for the outer layer 'jacket' if it's warm enough. Small lightweight windbreaker is also good insulation and not much space taken in the pack. Possibly one set thermal underwear, just in case.