I'm not a financial whiz-kid like yourself, so my thoughts on the currency issue are most definitely not those of an expert. However, I don't feel that I need to be an expert on every subject under the sun in order to see the bigger picture.
The No campaign made this out to be a bigger deal than it actually was. Westminster (& Scotland) will do what is in its best interests, and I get the impression everyone accepts (but can't come out and admit) that a currency union of some sort is best for both parties, at least in the interim. I'm aware of the tired argument that this isn't "full independence", but Salmond was correct in pointing out that the assets (and obligations) of the Bank of England are owned by all countries of the Union. I'm sure there would be plans in the future to extricate ourselves from this arrangement and finally either have our own currency, or go with the Euro, or whatever. Salmond definitely dropped the ball during that first debate on this subject.
Nothing about gaining independence is gonna happen suddenly. With the UK being such a traditionally weird and wonderful group of medieval institutions and archaic traditions, we're bound to be have several issues like this that'll take many years to wriggle out of.
I'd trust "this lot" over the other lot any day. The SNP have had a majority government in Scotland for many years and IMO they've been doing a great job, shaking out the complacent and corrupt practices of Labour's decades of incompetence and increasing focus on Westminster (and the knighthoods and lordships that they're rewarded with if they toe the line.)
Once we gain independence, we'll have another GE up here, and if people want to vote Scottish Labour or Scottish Conservative, good luck to them. At least then we might actually have a Labour government that gives a shit about Scotland... but I'm not holding my breath on that.