A 5-1 win where even Heskey scored? That Germany team was an abomination, how they got to the world cup final I will never know, probably helped by having Miroslav Klose but the team that played in the 5-1 had Carsten Jancker leading the line, it was not a classic German team. Gerrard was also only hyped in England, Bellingham has already been sold to Dortmund and now Real Madrid, lots of different leagues and football culture. Also, all three were played, that is exactly why I mentioned all three. It wasn't until Owen Hargreaves popped up in 2006 that we broke up the monopoly of those three (Scholes retired in 2004).
You mention Maguire, there are far better players, if a proper manager was in charge you'd have Stones and Tomori probably backed up by Dunk. Those defenders are not "average", Tomori doesn't get the credit as he's over in Italy.
And no, not giddy over a final, furious that the talent available to us is wasted by Southgate. A decent manager would have had a world cup final appearance at least and a Euro win. The so called "Golden Generation" got to a couple of quarter finals and failed to even qualify for one tournament