Well, having watched Peston's programme last night it really all boils down it a load of imponderables such as to how much Scotland will be able to borrow money for on the open market, the suggestion is that it will be about as much as 1% more than the current UK government is borrowing for at the moment, which doesn't sound a lot until you think that this will be 1% on a few billion, and given that Scotland at the moment spends about £1200 per person p.a. more than Westminster does on the rest of the UK the money will have to come from somewhere assuming that the income from 90% of the oil revenue which will be (maybe) Scotland's share will be taken up with current spend and deficit payment. The idea of an oil trust along the lines of Norway seems somewhat optimistic. There is also the question of how much Westminster will charge for the deficit that is Scotland's share, how long will the oil last and what will replace it. There is also the question of what currency Scotland will attach itself to, and the problem here as I see it is that if it decides on sterling it really hasn't gained much independence as presumably there will be rules with regard to budget etc in order to protect the British taxpayer from having to bail Scotland out etc. Personally I favour the "Unicorn" sounds so romantic if somewhat unrealistic!
What someone did suggest after all this is that most individuals would not find much, if any, difference if the vote was yes, but this of course is relating to economics - now whether the decision should be based on economics or something like culture, or other societal imponderables such as defence is only something the Scots can decide.