Scotland could have the greatest opportunity in History here to form the perfect Social (rather than “Socialist”) state.
Alas, History has a knack of dropping the ball on the cusp of such opportunities.
The vote will most likely go 48/52 “against”, which is better than 48/52 “for” - even if you are one of those voting “Yes”.
John Major won the 1992 election - because the electorate feared odds-on Labour more than they feared being stitched up by the Tories again - which duly happened later that same year in the form of “ERM Withdrawal”.
Even if Scotland became a utopia with single-digit taxes, full employment, and a bloated social care system that’s fully funded by their own exports - What’s to stop another country just stepping in and saying “I’ll take that!” and annex the lot?
Would Scotland expect to be automatically enrolled in NATO, and get a task force appointed to rid them of any invaders come what may?
Membership of NATO costs. Costs a lot. Non-membership of NATO could leave Scotland as vulnerable as the Black Sea and Baltic states.
In the UK meanwhile, we argue about our government “wasting money on the wrong things”. Whoever is in power - “Money will still be wasted” - just on different things for different parties in office. That’s essentially what party politics is all about - how you spend the revenues.
A post-independence Scotland would be most like… Norway.
The remainder of the UK would then become most like… The Irish Republic.
What an Eire-ony! 
The Monarchy would have lost all credibility, The office of Prime Minister would be scrapped over the coming years, and replaced by a new upper house replacing the Lords. Then? - It’s just a case of the best placed, most corrupt officials to seek, gain, and then hold power - a bit like the Papacy of the Renaissance era. The alternative? Boot the top three out, and put Farage in charge.
Trouble is, there’s just too many that don’t like him at all - mainly the immigrants and inner city dwellers whom every prime minister has needed to get on board to win an election outright… Blair knew this. Cameron is in denial. Cleggy thinks he’s got the finger on the pulse, because he thinks those who are “Anti the Anti immigration party” are automatically “Pro Europeans” like him! 