The EU question is fascinating, and there are so many permutations.
Personally, I believe an independent Scotland would be in the EU, but not as seamlessly as some would have us believe.
I also believe the UK will stay in the EU. I'm not clear the Tories will get an outright majority, I'm not convinced that UKIP can translate a (largely) protest vote in a PR election to a significant success in the first past the post General Election. I'm also not convinced the majority of the UK would vote to come out.
But there are a lot of variables, and a number of events could play out. What happens to an independent Scotland using (likely without a currency union) the currency of a non-EU country, and not yet meeting the criteria to join the Euro? What if Scotland is still negotiating EU membership as well as a common travel agreement with the UK, and still heavily trading with the UK?
If there is a No vote, and a subsequent in/out EU referendum I would vote to stay in. I know some (both on the Yes and No side, because both are far more of a spectrum of opinion than initially apparent as far as my experience goes) who would vote to come out. As I said, I'm not sure all the variables will fall into place to bring about an in/out referendum, but as we've established none of us are fortune tellers.