I am not a No voter as I live in England but I have followed the debate closely and would have voted No.
From comments I have seen on your site and WOS since the referendum I think Yes campaigners still struggle to understand why the vote was lost. What has happened over the last 3 months does not really affect the true picture behind the vote. Oil down, Vow not what some thought it was, MOD negotiating on shipping procurement etc.. does not make much difference. If you look at the surveys about 25% of voters consider themselves British first so are unlikely to ever vote Yes so the question is why the other 30% voted No. I believe the majority of these 30% voted No because they thought they would be worse off in an independent Scotland than in the UK.
These Scottish No voters probably have jobs in the financial services industry or one of the many service businesses (restaurants, taxi drivers, printers, designers etc.) that rely upon the financial services industry. The banks were not lying when they said they would relocate if Scotland became independent. Whilst they might have said no immediate job losses, people knew that the writing was on the wall and that independence would have a severe negative effect on the Scottish economy for many years as this industry contracted and partially relocated to rUK. This relocation of the banks etc is something that the Yes campaign is still not recognising or seeking to address.
To win the vote at the next referendum Scotland needs to re-balance its economy away from financial services so that when it votes to cut its ties with rUK and the Bank of England it is not severely negatively affected. Nicola Sturgeon should perhaps be actively encouraging RBS, Lloyds etc to relocate now to get the process going.
The Yes campaign did not win the argument about the economy and it needs to before it can win a referendum.