If for the sake of argument we assume the BB, since that was a singularity and therefore the only reference in the universe, at the beginning, doesn't that mean that the beginning of the universe occurred much faster that is currently assumed due to time dilation? Also is using an earth based reference for the time scale of events out of touch with reality?

Let me give an analogy. Say we had someone on a relativistic space ship drinking a beer. In his reference it takes him 5 min. From our earth reference, because of time dilation, we notice it appears to take him 10 hours to finish the beer. If we assume the 10 hours is correct, then theories will appear to fill in that time. One may say he drank the beer a drop at a time. But in reality of the reference where the beer was drank it happened in a few big gulps.

Relative to the BB, hydrogen forms about 100,000 years after t=0. Is this the analogous 10 hour reference which has nothing to do with the 5 min reference seen by the BB? I would have to assume if one rode the BB, it was taking big gulps in very little time, since the laws of physics are the same in all references.

I am not really sure what the BB reference time scale looked like. One has both special and general relativity going on at the same time. But in that relativistic reference, the laws of physics are still in affect. So if the BB saw one day equals 100,000 earth years, we have to come up with a theory that allows hydrogen to form in one day, just to use a number. This changes the conditions into something more in touch with reality. We need the conversion factor for time.

The problem this creates, is the earth reference has all this extra time so it can depend heavily on chaos and random to fill in the time. But if you have to trim the time fat, this same leisurely mode of thinking gets in the way.