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Work in natural units $k_B=\hslash =c=1$, initially neglecting helium and excited hydrogen states. The reaction $p+e^{-}\leftrightarrow H+\gamma$ is in chemical equilibrium when ${\mu }_p+{\mu }_e={\mu }_H$, since equilibrium photons have zero chemical potential. Substitution of the nonrelativistic Maxwell-Boltzmann distribution for the three densities givesFor ground-state hydrogen use $g_e=g_p=2$, $g_H=4$, and $m_H\simeq m_p$ in the translational prefactor. Writing its Hydrogen binding energy as $I$, this becomes $(m_{e}T/(2\pi ){)}^{3/2}{e}^{-I/T}$. Charge neutrality gives $n_p=n_e=X_e{n}_B$, while baryon conservation gives $n_H=(1-X_e)n_B$. Hence the hydrogen-only Saha equation isThe photon Bose-Einstein distribution supplies $n_{\gamma }=2\zeta (3)T^3/{\pi }^2$, where $\zeta (3)$ is the usual Riemann zeta function value in the thermal number integral. With baryon-to-photon ratio ${\eta }_{\gamma }=n_B/n_{\gamma }$, substitution yieldsThis reproduces the requested numerical coefficient, with the printed $\xi (3)$ interpreted as the thermal $\zeta (3)$ value. There is a normalization ambiguity in the PDF: it writes $\eta =n_B/s$ without defining $s$. To reproduce this coefficient, $s$ must mean photon number density. If $s$ has its usual entropy density meaning, the Saha baryon-abundance normalization instead givesThe two forms agree through ${\eta }_{\gamma }=[{\pi }^4{g}_{\ast s}/(45\zeta (3))]{\eta }_s$, with the entropy sector specified. A baryon-to-entropy ratio cannot simply be inserted into the photon-normalized expression.

As the universe cools, the Boltzmann factor favors neutral atoms and cosmological recombination sharply lowers $X_e$. For an order-one ionized fraction the photon-normalized equation gives the balanceup to an order-one ionization-fraction factor. The small baryon abundance means that there are very many photons per baryon: even a small high-energy photon tail can ionize most atoms. Thus the recombination temperature is far below the microscopic binding scale $I\simeq 13.6\mathrm{eV}$, typically a few tenths of an eV for the standard abundance, rather than of order $I$.

Photon decoupling is a related but distinct kinetic event. The Thomson scattering rate $n_e{\sigma }_T$ falls relative to $H$ as free electrons disappear, and photons begin free streaming. The precise last-scattering epoch depends on integrated optical depth, not only the local equality of rates. At still lower density the effective recombination rate per electron also drops below the expansion rate. Residual electron freeze-out leaves a small nonzero ionized fraction, larger than the vanishingly small equilibrium Saha prediction; radiative atomic bottlenecks mean the entire history cannot be obtained from equilibrium alone.

The temperature comparison in the last request needs an interpretation. If “reionisation temperature” means the microscopic thermal ionization scale, the large photon-to-baryon ratio explains why cosmological recombination requires $T\ll I$. If it means later cosmic reionization, there is no universal thermal threshold: stars or other sources supply ionizing photons and can reheat gas. The cosmological photon background is actually colder at that later epoch, because $T_{\gamma }\propto a^{-1}$. Its temperature therefore cannot literally be higher than the background temperature at recombination merely because hydrogen is reionized.

Chemical equilibrium for $p+e^{-}\leftrightarrow H+\gamma$ implies ${\mu }_H={\mu }_p+{\mu }_e$, because equilibrium photons have zero chemical potential. Dividing the three nonrelativistic Maxwell-Boltzmann number densities therefore givesThe Hydrogen binding energy is $I=m_p+m_e-m_H=13.6\mathrm{eV}$ in natural units. For ground-state hydrogen, with hyperfine splittings unresolved, $g_H=4$ and $g_p=g_e=2$, so the degeneracy ratio is one. Equivalently one can omit nuclear-spin degeneracy consistently from both the proton and atom. Excited hydrogen levels are exponentially suppressed at recombination temperatures. Also $m_H/m_p=1+O(m_e/m_p)$, so its effect in the prefactor is negligible. ThusThe sign of the exponential follows from the smaller rest mass of the bound atom: cooling favours neutral hydrogen once translational entropy no longer compensates the binding energy.

Write $n_b=n_p+n_H$ for the cosmological baryon density in this hydrogen-only model, and $x_e=n_p/n_b$ for the hydrogen ionization fraction. By charge neutrality, $n_e=n_p$, so the Saha ionization equation becomesThe baryon-to-photon ratio is $\eta =n_b/n_{\gamma }$, and the equilibrium photon number density is $n_{\gamma }=2\zeta (3)T^3/{\pi }^2$. At an order-one hydrogen ionization fraction, neglecting factors of order one therefore givesReplacing $T$ inside the slowly varying logarithm by $B$ givesWith $B=13.6\mathrm{eV}$, $M_e=5\times 10^5\mathrm{eV}$ and $\eta =10^{-10}$, this is $T\simeq 0.351\mathrm{eV}\simeq 4.1\times 10^3\mathrm{K}$. Solving the preceding implicit approximation instead gives $T\simeq 0.306\mathrm{eV}\simeq 3.5\times 10^3\mathrm{K}$. Both are reasonable estimates of the recombination temperature at the accuracy requested. The small baryon abundance delays hydrogen recombination: even when $T\ll B$, the high-energy tail of the abundant photons can still ionize the much rarer hydrogen atoms.

At $X_e=1/2$, the left side of the Saha equation is two. With its rounded coefficient, the recombination temperature therefore satisfiesNeglecting the logarithmic prefactor gives $y\sim 36$ andThis is the requested rough scale. Retaining the prefactor and the unrounded logarithm gives $y\simeq 42.0$ and $T_{\mathrm{rec}}\simeq 0.32$ eV; the displayed $0.4$ eV is not a high-accuracy numerical root of the Saha equation.

The small baryon-to-photon ratio means that radiation and the entropy of the free charged particles strongly favor ionization. A low mean photon energy does not eliminate the energetic tail, and ionized particles have a large phase-space advantage. The exponential binding factor must become very large before neutral atoms dominate this dilute gas. Accordingly $\mathcal{B}/T$ is of order forty rather than order one, so recombination occurs well below the hydrogen binding energy.

In chemical equilibrium, the reaction $p+e\leftrightarrow H+\gamma$ obeys chemical-potential balance for ionizationbecause a photon gas in equilibrium has photon chemical potential ${\mu }_{\gamma }=0$. Applying the given nonrelativistic Maxwell-Boltzmann distribution to each massive species givesThe Hydrogen binding energy is $I=m_e+m_p-m_H$ in units with $c=1$. Thus Saha's equation isFor ground-state hydrogen, $g_e=g_p=2$ and $g_H=4$, so the degeneracy factor is one. Since $m_p\simeq m_H$, the translational factor is commonly written $(2\pi m_e{k}_{B}T/h^2{)}^{3/2}$.

Charge neutrality gives $n_e=n_p$. Write $n_B=n_e+n_H\simeq \eta n_{\gamma }$. Thenand henceCombining this with the stated photon density produces

In our universe the baryon-to-photon ratio is tiny, so there are roughly $10^9$ photons per baryon. Even when the mean photon energy is far below $I$, the high-energy blackbody radiation tail contains enough ionizing photons to suppress neutral hydrogen. The recombination temperature is reached only after the Boltzmann factor overwhelms this large photon-to-baryon ratio, at $k_{B}T\simeq 0.3\mathrm{eV}$.

For a universe with $\eta =1$, take the degeneracy factor as one, $m_H\simeq m_p$, and define $x=I/(k_{B}T)$. Neutral formation occurs when the boxed ratio is of order one, giving approximatelyWith $I=13.6\mathrm{eV}$ and $m_e=5.11\times 10^5\mathrm{eV}$, this gives $x\simeq 19$ and thereforeto order unity. This is much hotter than recombination in our universe because there is no enormous excess of photons, but it remains below $I$ because the electron's large translational phase space still favours the ionized state.

At fixed $\eta$, the recombination temperature is determined by atomic physics and the Saha equation, not by today's CMB temperature. Under the stated approximation,Since $1+z_{\mathrm{dec}}=T_{\mathrm{dec}}/T_0$,and the same ratio holds for the large redshifts themselves to excellent accuracy. The comoving distance ${\chi }_{\mathrm{dec}}={\int }_0^{z_{\mathrm{dec}}}dz/H(z)$ can nevertheless be held fixed by adjusting the late-time expansion history, for example $H_0$, ${\Omega }_{m,0}$, spatial curvature, or dark-energy density and equation-of-state parameters.