You're right SirChenjin - it doesn't really matter. It's just that you are one of the most articulate people I've read on the matter (and I've done lots of reading!
) and as I'm getting frustrated at not getting an answer. I thought it was worth asking you, as I presumed that you would have some thoughts.
Guess I'll just have to continue to be frustrated. 
I mentioned one myth: the NHS. Even though it says that healthcare is devolved, it implies that we can only afford it because of the 31 million taxpayers in the UK. It has also, elsewhere, implied that we wouldn't be able to make use of cross-border services, despite the fact that that is already the way that it is set up (and we already have mechanisms for "cross-border" services with Ireland and other European countries. When I worked in NHS England over 20 years ago, they were sending people abroad for some operations as it was actually cheaper or quicker).
The other one is cross-border controls: why, if we don't have border controls with Ireland (which has a different immigration policy), would controls need to be set up? An immigrant into one country still wouldn't be able to claim benefits or work (legally) if they travelled to the other. I also really, really resent the implication (to be fair, not explicit on the YouDecide2014 website but part of the message of the Vote No Borders campaign) that "foreign" relatives are something to be sad about. All my "blood" relatives, with the exception of my immediate family (father, brother, son) are "foreigners"
.
When you read the YouDecide website, there are an awful lot of "coulds". There are also lots of statements about benefits that we currently receive - yet they could be changed tomorrow if/when the government changes/chooses. Ditto with the debate about Europe: there is no certainty that the UK, let alone Scotland, will be in the EU in a few years time. The future is not certain, whichever way people vote.
Having said that, I'm agreeing more and more with my father that the decision shouldn't be based on the economics. It should be based on whether or not you think it is the right thing to do as it is a long term decision. That's why I'd like to understand why it is that we are better together. I can understand it from a gut feel perspective - but that's the only one I "get".