@bapowell You speak of quantum fluctuations and their decoherence, and that seems very plausible. But just from the formulas that you discuss, is it clear that ##\delta\phi_k## needs to have a quantum origin?
It looks, superficially, like all derivations that you sketch in the entry would remain valid if we think of ##\delta \phi_k## as some classical stochastic contribution. What is it that allows us to deduce that the CMB fluctuations seen are of quantum origin, as opposed to some classical stochastic perturbations?
I suppose it must be that we can somehow estimate the total effect of quantum fluctuations from first principles and then find that this exhausts the seen CMB fluctuations?