I think it will be no, but it's getting far too close for comfort. And you can guarantee Salmond will want another go in 10 years time.
If it is yes, I predict as follows:
The next 2 years will be spent arguing over who gets what, rather than dealing with important issues such as the economy / terrorism / immigration / the NHS etc...We will probably have to get international arbitrators in, because it will get seriously messy and heated.
The EU will refuse Scotland entry. As they won't have control of their own currency. Major banks and businesses with head offices in Scotland will shut up shop and move south of the border.
The 'rest of the UK' will not see another Labour government for 25 years, possibly even longer.
In around 10 years time the people of Scotland will realise they have been sold a complete pup. There will be serious economic problems, mass unemployment, and their government will simply not have enough money to fund the huge public spending and social welfare programme that Salmond has promised. People will become seriously disgruntled, the country will go into economic meltdown like Greece, there will be rioting and the beginnings of a serious political movement to rejoin the union.
The sums simply do not add up. Salmond is like a 25 year old in a car showroom. He wants to drive the 4 litre sports car dream, and is going to stick it all on finance without any real thought as to how he is going to pay for it.
As for 16 years old voting, these people have been nowhere and done nothing and got no real life experience. Giving them a vote is ridiculous.
Personally I want them to stay. My employer has quite a lot of stuff going on up there, and my private pension is with a Scottish company. But that does sound rather self-serving.