I intend to vote no and I have done a lot of research, well beyond what the media present.
I personally believe that Scotland is already a nation, and that nationhood is enshrined as part of the union with England, Wales and NI. Scots law cannot be replaced by the common law of England any more than the Church of Scotland can be overrun by the Archbishop of Canterbury. Our formal Union has always been founded upon a recognition that UK is a joining of nations together and not the forced assimilation of two peoples into one.
Devolution extended the ways in which Scottish nationhood is institutionalised. Now, in addition, to the Court of Session and the Kirk, we have our own Parliament, our own Government, and our own First Minister. Devolution happened through unionist thought, as has much of progressive Scots autonomy. The majority of SNP opposed devolution in the first instance, with the exception of Sir Neil MacCormick who supported it and, at points in his career believed that devolution - if it worked - would be enough!
Interestingly, MacCormick also pointed out that the devil is in the detail and that - particularly with reference to EU membership - we must consider the constitutional detail. Entry into the EU is not a matter of politics, but of legal and constitutional frameworks. Salmond cannot simply state that we will be 'welcomed back with open arms'.
I don't agree with the principles of wanting to be part of every union going except this one (EU, NATO, etc).
I don't think the argument about 'our money' flowing south stacks up - why would people in Aberdeen be any more willing to share with Argyll? I believe that SNP (and it WILL be SNP!) are a government set on centralisation of power whereas I believe in devolving power to local communities.
I believe that the union is still evolving and that their will be opportunity to improve democracy across the UK. I personally feel that the problem is a lack of a devolved parliament in England, resulting the WM being de facto for England.
Finally, for me personally - a yes vote will (most likely) impact my sector negatively plus I don't want to live out the rest of my working life, or the early years of my childrens' working lives, in a country 'settling in' - where austerity measures are likely to far outstrip what we ahve already seen from WM. Yes campaigners would tell you that this is a 'nettle we must grasp' but I'd rather not, thanks.
These are my reasons. I do not expect everyone to agree with them, and they may evolve over time, but that's (just some!!) of my thinking at the moment.