What impact would independence have on fiscal policy and economic stability - I'm not an expert or extremely knowledgeable in this fields, but have been reading what I can. I think the following quote sums it up:
"...uncertainties over both future oil and gas revenues and over the continuation of the existing Barnett system make it difficult to predict with any great certainty whether Scotland would see a longer-term net fiscal gain or loss post-independence."
I don't think either side can say with certainty. Although I don't believe the economy would crash post-independence. This is a good, fairly balanced article from the Financial Times:
FT article
What impact would the ageing population have on the future
Is the predicted future a positive one, based on fact - Again, no-one can say for sure. Yes supporters will tell you the future will be better post-independence, No voters will tell you it would be awful.
Although many seem to be planning to leave Scotland in the event of a Yes vote, there are equal amounts, like myself and DP, who will be moving abroad in the event of a No vote. Both could contribute to the problem of an ageing population.
My personal view is that a future involving Scotland being governed by its own citizens, and not including the possibility of a future Conservative/UKIP coalition, for example, is a good one. It can't be denied that the majority of the UK has suffered under WM, and a lot of people in rUK also want change.
If the bite goes no, what has actually been achieved? Does that not just put Scotland on the back foot? - I think it depends on who you ask, but yes, I think it would. It's unlikely we would get a chance to hold another referendum if we reject this opportunity.