I'll bite.
"May your choices reflect your hopes and not your fears"
I choose to vote no because I will continue to fight for social justice and equality for 63.5 million people on these islands (rather than only the 5.3milllion people living nearest(ish) to me) because I believe that by the strength of our common endeavour we can achieve more than we do alone . My hope is to have a left of centre Labour government at Westminster making a positive difference to poor and working people across the UK with strengthened devolution to decide matters local to Scotland.
I know folk may sneer at that, but I believe it is possible and more likely than an independent Scotland having the resources (and will) to be as left leaning as is claimed by some supporters - like Carol Craig, I suspect the libertarians, international markets etc have the power and influence to push us to a leaner, meaner version of Scotland. (Fair enough if you like that sort of thing, but not what the majority of Scots want, nor the tone of what is being promised by the Yes campaign).
As Carol Craig pointed out, nationalists are selectively optimistic - certain that independence will be successful and about UKIPs appeal in England (and being specifically English) but somewhat more pessimistic about Labour's chances of election success and how positive they will be.
... and because I've seen the way the discussion tends to go when Labour gets mentioned I'll let you know that I marched against the Iraq war, that many Labour MPs voted against it, that the Labour leader has changed twice - and is now someone who wasn't even an MP at the time of they voted on the Iraq war and that I think Labour has learnt from its mistakes on this issue. You don't have to believe me about that, but I don't think there's any point derailing the independence debate to debate it.
That said about my hopes, you can't just dismiss people's fears about this. It's a huge decision with plenty of risks to really important things. Some ardent nationalists might be prepared to risk 10-20 years of financial instability (and fewer public services etc) in the name of the greater good, but my son is 2 years old, these are the 10-20 years of my life that I am raising a young family, they matter to me. I don't think the opportunities of independence (such as they are - I'm not convinced there are many) are worth the very real and substantial risks.
I appreciate that Yes voters place more weight to those opportunities, and less weight to the risks. Its a very personal decision, but a very important one for the whole country.