This is interesting. As an American who lived through the War of Independence (ok, not really, but I do remember the centennial) I learned that having ones voice heard really does matter to people and when they feel that is not respected, it causes problems. Having seen the results of NO repreresentation (for real) while living in the MENA region, I am speaking with actual first hand experience of the climate it produces. I think a nice referendum is a cool way to solve the issue-it's very civilized.
A representative government is important. If Scots felt they were truly being represented, I doubt it would have come to this. If the referendum does not go through, then I hope that the govt of the UK will make the changes that it needs to so that there are no second class kingdoms in the UK. There is a root problem at issue. Address it and fix it. Now, isn't that easy? (Ok, nothing is, but wouldn't it be nice if it WERE that simple??)
No matter what happens, I hope it is good for everyone ultimately.