Here are my thoughts as someone who lives in Scotland...
There's a huge portion of "Brave heartists" making up the "Yes" camp...people that are incredibly proud to be Scottish and who are frustrated with the way things are with the current government. They're frustrated and angry and feel like anything is better than what we have now. Sadly this means they completely disregard the risks that many of you have already mentioned - the lack of a currency union, the fact our oil revenues are steadily declining (and unless I'm mistaken when the oil does run out....we would have to pick up the enormous cost of removing the equipment from the North Sea). The costs of devolution will be immense....setting up new government departments and bodies....these costs will take years and years to absorb.
I've looked at the arguments of the "yes" campaign....the problem I have is that they cannot provide any proof that there will be a tangible benefit to Scotland.
When we look at some of the demographics of high concentration of "yes" voters there's a huge amount within poorer areas of Scotland, generally meaning there'll be a poorer level of education and therefore political awareness....this may be controversial but I think the 16 and 17 year olds in these areas will be more likely to be influenced by their parents.
I've sure you've guessed - I'm voting no.