I agree with the original poster, but won't ask you to vote Yes/No as it's not my decision it's yours (if you're in Scotland).
I think the official Yes campaign have let you down, especially on the currency debate. They should have proposed outright a new currency at least 6 months ago anything else means compromise economically which means no true independence. To me this belies the poor economic sense of the SNP. Using the UK pound is just a non-starter for a truly independent, new foreign country.
So the choice at the moment is 'Yes' = partial independence(due to currency issues) or 'No' = partial independence (through increased devolution). Not much of a choice really is it?
As for complaints about the Tories not being representative to Scottish voting, this is temporary. It wasn't long ago that the cabinet was full of Labour & Scots (Gordon Brown et al). And there is already Holyrood.
1 Million Scots below the poverty line, is that real poverty or relative poverty? Go to a real third world country to see real poverty (I have, in Egypt). The Uk is really not that bad.. try being gay in Russia, a woman driver in Saudi or poor and ill in the US! Already Scots have unfair advantages over English: free prescriptions, free university education, it's not all bad is it?!
In summary I think an artificial schism has been created between England and Scotland by folk who want to grab power for themselves stoking resentment with constant calls of 'Bullying by Westminster'. If Scots want independence then it could work like Norway, but that is not what is being proposed (they have their own currency). Current predictions are at 50/50 or thereabouts, hardly a great mandate for irreversible change is it? Perhaps referendums like this should request 60% in favour to ratify to cover the 10% (at least) of voters that are just completely misinformed and vote with heart only?
Disclosure: I'm from the North of England, but live in the South. I studied in Scotland for 4 yrs (it was a really nice place, though got some anti-english stick whilst Braveheart was out in the cinema) and skied every year from age 8 to 22 (sporadically since) in the highlands..