Pretty much nail on the head for how I feel about the whole thing and from the chats I've had with family they're all of a similar mind.
I like the romantic notion of an independent Scotland, I've no doubt that we could financially make it on our own but personally I like being part of the UK and actually like the English, Welsh and Irish. Perhaps that's a bit of a surprise coming from a Scot, but honestly can't think of 3 other nations on the planet who would be more awesome to team up with.
A group of islands (yes I include all of the small ones, Orkney, Shetland and that chunk of Ireland in there) which in the past couple of hundred years has helped shape and reshape many countries around the world, generally speaking for the better.
So why go for independence? I don't see any gigantic benefit to myself future generations of Scots. Life isn't about money, so there's little point banging on about North Sea oil and gas when the money from it goes only to the super rich and their companies.
I'd much rather be voting for the UK parliament to be moved to the northern half of England so those of us outside the M25 can actually get a shot of it, then we can scrap the Scottish/Welsh "governments" and get back to some sense of sanity.