PR I think the no vote will win, similar to the vote on AV - largely through reactionary wariness of the new from the electorate. I think folks views on independence very much depend on what they do for a living. Teachers rightly hate Salmond for pushing thru his ego project 'The curriculum for excellence' before its ready in time for the referendum.
The big banks have told their staff their jobs will move south if there's a yes vote which I find a shocking (and illegal!) attempt to blackmail them and influence the electoral process. I'm minded that if its bad for the banks its probably good for the rest of us.
I work in renewables / climate change - fields that have a promising future in Scotland either way but which have benefited most from SNP policy - so we've all got a bias! 
Folks need to remember that the vote isn't a short term vote on personalities - a yes isnt a vote for Salmond or against Cameron (I'm certainly guilty of the latter!!!) but a vote on long term structural issues.
I think if the West of Shetland oil bloc leasing and offshore RE leasing can be used to fund a social fund a la Norway then there is a chance for a decent social democracy. Studies also show that 5 million is the optimum size for a responsive in touch democracy. I look at the UK under the current smug public school shower being sold up the river under crony capitalism, private sector companies clamouring for the mail, the NHS, the parole service, the police and I shudder. I see the EA and other bodies meant to protect our people, environment and our heritage being hamstrung and deliberately prevented from doing their jobs and then being blamed for it. I see work not paying and income gaps widening. And I do think there must be something better than this.