You seem to misunderstand FU money. FU money it's not about "basic retirement" - it's about "I do not have to worry where my next meal is coming from for next X months/years". 1.2M$ can do a lot in that department.
Yeah, FU money and FIRE are different concepts (although there are some overlap). The former is just about being able to quit a job whenever (with the expectation that you will find another one eventually)