I think the Scots will, on the whole, make their decisions with their heart rather than based on the financial arguments. That might sound patronising but it isn't.
I disagree, wealth is very important if Scotland did not have any claim to North Sea Oil i dont believe we would even be having this independence vote. Scotland and its inhabitants would be demonstrably richer as part of the UK.

While there are those who vote with there heart, there are still a lot of people to whom the money matters.

One point where I differ from NSA, I don't believe the North Sea Oil reserves are in Scottish waters because I don't believe there is a definition for "Scottish waters", only UK waters.
Not yet there isn't but as soon a Scotland become an independent country there would be. This is a grey area but i am just going off what the politicians are saying, and none of the UK MP's are refuting the fact that Scotland would get most of the Oil.

In a similar vein I imagine the Scots will continue to use the pound
I think this is unlikely, a Currency union is only really good for an independent Scotland, there is virtually no benefit to the rest of us at all, it would essentially make the UK liable for any Scottish market Crash, and any run on a Scottish bank. It would probably be cheaper to take on Scotland part of the UK National Debt than go into a Currency Union. its just a really bad option for the rest of the UK.

It would be a bit like in a Divorce settlement saying "Honey you take the dog and the Kids and if you ever get in real financial trouble don't worry i will bail you out with my overdraft!"

Interesting info... Just about everything I know about Scotland comes from Groundskeeper Willy on The Simpsons.
Ha Ha that's a bit like learning about England from Watching Downton Abbey.

Scotland is quite a beautiful country really. Type Cairngorms (one of Scotland National Parks) into Google images and you will see what i mean.