What steps do you take to gain fire? How much is enough and is 1Mil always the benchmark?

Everyone's amount could be different. Considering that if you can put 1m into a 5% instrument it means you will be getting $50k per year for your income.

will that be enough for you to get by with inflation? If yes, then you're probably safe with 1 mil. :)

jnstead of working towards an amount, try working backwards base on what kind of lifestyle you want, and not forgetting to take into consideration of inflation!

1 mil is not always the benchmark, it depends on a lot of factors including the type of lifestyle after RE and age to RE. The earlier/more lavish the lifestyle, the more you'll need to have to FI.

The amount to FIRE should not be the same as insurance coverage since the type of expenditure is different. The coverage (death insurance), is meant to defray costs from funeral, debts, dependents' expenditure, etc, whereas for the money for FIRE, it's for lifestyle, daily use.