It's all a bit scary as a Brit living in France.
Despite having paid (a lot of) tax here for the past nine years, I suspect it will become at the very least massively more bureaucratic for UK nationals living in the EU (of whom there are far more than vice-versa I believe).
This is simply too multi-layered an issue to be put to a referendum that may well he decided by the (popularist) opinions of Murdoch and Dacre/Rothermere.
Whatever one's opinions on politics here, it seems as though Cameron has misplayed this. It was as much a sop to UKIP as it was to his own bachbenchers (whom he can control), and UKIP turned out to be the straw dog many people suspected they would be.
With the state of the oil price (upon which all of the SNP's economic prediction and assertions were based), the idea of a Scottish independence vote rerun are severely curtailed, and the likelihood of an even greater result in favour of keeping the union, even if the rest of the UK left the EU, increased. Sturgeon and Salmond both know this, so despite the anomalies and ammunition for a new Scottish referendum, that wouldn't happen any time soon.
The real problem is that everyone's partisan stance means it is difficult to gauge the financial benefits/costs of EU membership for the UK. I for one am not convinced that leaving will constitute a fiscal gain for the UK (the reverse probably) and even if it might, it's too much of a risk to take, as it certainly won't win us any friends.
We have little to gain and much to lose. But you can't quantity either...
Besides, my only option might be actually to become French, and that would mean having to unlearn how to drive including having the ability to indicate in a car somehow surgically removed.