I agree that the choice is not between independence and the status quo. There are no guarantees of stability (economic or social) on the Union side and, indeed, there are a number of alarming routes we could be taken down by Westminster in the relatively near future.
Being governed from Westminster is fundamentally undemocratic in my opinion. Westminster is characterised by elitism, centralism, manipulation, massaging of the truth, and jingoism. There is a growing divide between rich and poor, and increasing social division. I don't want any of that.
However, what it boils down to for me is that I stand on my own two feet in my personal life and I want the country I live in to do the same. The fundamental question for me is: why should Scotland not be able to govern itself like any other country? Are we too wee, too stupid...? I think the economics stack up. I think we have as much ability as anyone else to run our own affairs. I see examples of similar small countries abroad who are doing fine and who would not give up their independence. I have lived in another small European country which showed me just how practical and advantageous being in charge of your own affairs is. I believe that the government of an independent Scotland would be closer to its electorate and more representative of the people who live in Scotland.
That is my honest, very well-considered opinion. I appreciate that the No side have other opinions, some of which are also well-considered. It doesn't make any of us bad people.
I am going to be out on the doorsteps over the next 11 days as part of a huge grass roots campaign of motivated, responsible and well-informed people explaining our views and engaging with people who haven't yet decided how to vote. So far, the response has been incredibly positive.
Regardless of the outcome on 18th September, it looks like democracy in Scotland has already moved up a notch or two with lots more people discussing the matters which affect us all. Maybe if we can't agree on other things, we can all agree that that is a positive development.