As a Yes voter from Dumfriesshire who works across the border in Carlisle ( as an awful of people i know also do ), I think the big concern is a fear over jobs/taxes/currency, because we will be working in effect in a foreign country .
Also in some cases the whole passport control/border crossing fears are still being raised (strange but true ).
I had to listen to a guy in the pub a couple of weeks ago state he was a definite no because "We`d end up like Norway and your pint would cost you a tenner !!" The general consensus in the pub seemed to be No , but most of them are guys who work in or around the Carlisle area and they are unsure about their jobs .
Having said that , I think most of the Tartan army guys I travel with are Yes voters , so I think it`s still hard to call .