Given this is is a political debate, led by politicians, it should be obvious to everyone that any argument for or against independence will be tinged with bias.
That said, I work in the defence industry on the Clyde, so am particularly interested in defence plans in an independent Scotland. All I have seen to date are extremely vague plans to spend £2bn per annum on the sector, which although it sounds a lot (and it is), has to cover all aspects of defence such as salaries, support, overheads, cyber defence (the most prominent line of defence in a modern world - especially in a country that is going to place the financial services industry at its core), which doesn't leave much for major equipment procurement. Independent procurement will have to target cheaper foreign sourcing, and combined with the loss of MoD contracts, my industry will inevitably be negatively impacted. Anything that jeopardises my ability to put food on my child's plate is met by me with a very raised eyebrow. Understandably.
The above is a pretty defining point for me for obvious reasons, but the rest of the debate I'm still a bit undecided on. There is absolutely no doubt that there are some good arguments for independence, but some others that for me need answering.
Overreliance on oil? Oil contributes around 1-2% to GDP as part of UK, but by some estimates will contribute 10-15% of independent GDP - the economic equivalent of putting all your eggs in one basket? Which is fine as long as the oil never runs out. Ever.
I'm also not convinced about the latest comparisons with Norway (previously it was Ireland and Iceland we were to model ourselves on - don't think I need to say any more about that!). Norway doesn't use any of its oil revenue to support the rest of its economy, whereas Scotland would need to. Even directing oil revenue solely at pensions, it took Norway over 20 years to get their oil fund into the black. Logic dictates it will be far far longer for Scotland to do the same. Big question mark for me.
EU? How long before we are allowed to join the EU and what impact will not being in the single market have on our economy (given the significance of EU export market on GDP today)? Even if/when we do join, would an independent Scotland have as much clout in Brussels as we would as part of the UK?
GBP or Euro? if GBP, all fiscal control remains at Westminster but this time Scottish interests in mind; if Euro, see my previous question. Maybe we should reintroduce the groat!
Border controls with rUK? Any EU membership will likely come with the condition of joining Schengen, and therefore being forced to leave the UK Common Travel Area.
Most importantly, when people on Retrobike sell stuff "posted to UK", would we have to pay increased rates / import duties?!
I'm not hugely political, but for such a massive and defining point in our history I can't believe how woolly the whole argument still is. Regardless of whether September is a Yes or No, there is going to be huge change here a result though.