OneMoreChap What exactly does being a higher rate taxpayer have to do with the price of cheese? I may not be, but my husband is. Because you're a higher rate tax payer, your opinion is more valid? He also believes we shouldn't leave - is that more acceptable to you, you both being on an equal footing in monetary terms?
Bully for you, getting to vote. I'm sure you have an excellent understanding of everything Scottish because you live there, better than I, because despite my heritage, I live beyond the border. 
To join in the growing trend:
(Previously) Central Belt
Middle Class
Degree in both Scots and English Law
English grand-parent.
I'm only in England because my industry doesn't have any foothold in Scotland. If it did, we would move home in a heartbeat.
I 100% believe that Scotland uses it's money more effectively, i.e. free prescriptions etc. But that doesn't mean we should break away from the UK. Wales (my current residence) seems to have many of the same policies, and I don't hear them wanting to leave the Union.