How much Disability Insurance to buy?

To further specify the question, how much benefits, as a Hospitalist, should my policy pay monthly if I were to get disabled?

Currently in the process of buying DI and completely unsure about what amount under the FIO rider should I buy if I'm heading to be a Hospitalist?

The agent gave me quotes for 7500 base and FIO of 22500 (leading to a total max of 30K a month benefit) which is absolutely BS because no Hospitalist will likely qualify for 30K post-taxed monthy benefits, just based off our average salaries.

I am torn between picking an FIO that maxes benefits to 20k a month vs 15k a month. Would really appreciate it if someone could comment of how much monthly benefit they currently have on their policy while actively working as a Hospitalist.

Also overall DI seems like a bit of a scam to me. The agents love to throw random statistics but there are so many factors to it and I am not fully convinced if it's worth it. There seems to be a push for ALL physicians (including) residents to buy DI as early as possible, not realizing not all specialities make 500K a year. Any thoughts on it?