Let's fix some of this math. Not sure where the *2.6 comes from. It's 3.1 after Ox. Later in the game it's 3.25 and then 3.50 (mon obsolete, Observ, Lab).
The benefit of getting Uni/Ox 9 turns early is 125% of our total

. So let's say in 30 turns we get the Ox and have 72 base commerce. That's 72 * 1.25 * 9 = 810 beakers that our settled scientist would need to make up. That's about 40 turns late game.
You will also get the Observatory a few turns early adding another hundred beakers or so.
(Our goal is to finish tech around turn 250)
Settling probably still comes out better (I usually argue for settling). With the best reasons for bulbing being 1) the race to liberalism and 2) It's too late in the game. But there are some other advantages to
settling. We can finish our chop/cottages 9 turns sooner, so our commerce will be slightly higher every turn as they grow. That's a lot. Even just +2 commerce is 10 beakers/turn for say 100 turns. That's another 1000!
Other advantages are that we'd will feel free to trade CS, paper, etc. if we are way ahead. Again, recall the big picture. We want to help the AI research faster. That means we want to get them CS and Edu as soon as possible (without losing Liberalism)
So, to summarize, I'm seeing 3000-4000 beakers that the 1 hammer/6 beaker scientist would have to make up for. I'm for bulbing 1 in Edu.