When thermal rate equations are derived for the evolution of slow variables, it is often practical to parametrize the right-hand side with chemical potentials. To close the system, the chemical potentials are subsequently re-expressed in terms of the slow variables, which involves the consideration of a susceptibility. Here we study a non-relativistic situation in which chemical potentials are large compared with the temperature, as is relevant for late-time pair annihilations in dark matter freeze-out. An order-of-magnitude estimate and a lattice simulation are presented for a susceptibility dominated by bound states of stop-like mediators. After this calibration, the formalism is applied to a model with Majorana singlet dark matter, confirming that masses up to the multi-TeV domain are viable in the presence of sufficient (though not beyond a limit) mass degeneracy in the dark sector.
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