Re the 'Democracy Argument' - I don't believe Yes has made a compelling argument that I, personally, will have a stronger voice in decision that affect me, and the communities of which I am part of. I'm part of many different communities (geographically, professionally, demographically even!) none of which are 5million-people-sized. To affect actual democracy which require a change to the structures and processes, not simply shifting London-Edinburgh, in my view.
I am genuinely interested in promoting greater democracy which is why I follow ERS Scotland who produced their Democracy Max report, have tentatively welcomed the Commission on Local Democracy Report and will (hopefully) participate in the upcoming, inaugural Rural Parliament in Oban.
If democracy were readily answered by independence itself, I have no doubt that ERSS, Democracy Society, etc would be off the fence and campaigning for it - they are not. They are presenting the opportunities - regardless of referendum outcome - and challenging politicians across the country to embrace them. The fact is that independence in itself does not improve democracy. Whilst you and I may also prefer the voting system in Scottish Parl compared to Westminster, the majority of the electorate (even in Scotland!) voted against changing first past the post.
If we were currently independent - in Europe and in a currency union with rUk as proposed - there is no doubt in my mind that there would be people campaigning against the particular democratic deficits that creates (one of the greatest issues in Eurozone is the democratic deficit)
www.electoral-reform.org.uk/democracy-max/
www.localdemocracy.info/