The vote was relatively narrow, a 5% swing would see things very differently. What you also have to bear in mind about Scotland is many NO (remain in the UK) voters felt betrayed, rightly or wrongly, after the last minute promises didn't seem to matter that much. I know a lot of people who voted to remain in the UK who would change their tune. It's one of the reasons the SNP got such a massive landslide at the election, they remain credible or even gained credibility with the NO/REMAIN people.
The debt is a strange issue, the UK treasury said last time it would honour the entire UK debt. It said this so it could have the advantages of being the successor state, well that's fair enough (it would be the successor state) but any debt Scotland had would be negotiated. Though I'm sure the negotiation would take on a fair proportion, it is surely by definition no different to the proportion that currently exists.
As for the Euro debate, both sides IN/OUT are scaremongering and both are doing their Project Fear. "Leave or Immigrants will sell your house to ISIS", "Remain or ISIS will infiltrate your house and use it as an ISIS base", and all the rest of it.
My take is both sides have idiots. Both sides had idiots in the Scottish referendum, this one will too. I wouldn't vote either way because of an idiot, for or against. I mean, sure it sounds tempting to vote against an idiot, but when both sides have idiot which idiot do you pick to vote against? And even outside of them, the people trying to make a rational economic argument, be it IN or OUT neither of them truly knows, and any evidence they try to assess they will automatically put their their preference filters / confirmation bias even if they don't intend it. None ideologically committed to out will really address the in arguments, no one committed to in will really seriously consider the out benefits.
I think this referendum is a case of "go with your gut".