I think you maybe right, but I do hope you're wrong. Other than the flag waving, the "voting for change", while keeping fingers crossed that the change is for the good, I don't see much substance to voting yes.
I'll be voting no. Some political, some professional, but mostly for personal reasons.
The instability over tax and currency has put both my job and my wife's job at risk if a yes vote goes through. My wife's been told that her job will move down south, and with my job at risk we'll likely have to move. Neither of us want to do this. I'm Scottish, I want to live in Scotland. I'm quite happy for that to be as part of the uk too.