Being many generations removed from my Scottish ancestry I have only a sentimental opinion on the question and no stake in the consequences, so will hold my peace on that.
I do think that a close No outcome ought to spur Westminster to look again at reforms with respect to the so-called West Lothian question. Recent events make it obvious that opinion is divided and not just in Scotland; if not independence, further devolution is almost certainly in the cards.
Assuming, of course, that Westminster is open to recognizing the depth and breadth of the crisis.