I don't know as much as I'd like to in order to make a trully informed choice, and very much doubt that many others do either.
I do, however, know that if we vote yes our pension is DEFINITELY screwed.
If we vote no there is A CHANCE that we will shoot ourselves in the foot and screw our pension.
So to me, looking at the most basic of levels the decision is simple: I will be voting no because it gives me the best possible chance of a better outcome. Yes - it is a risk, but a risk worth taking.