It's not as bad as you guys are making out. I think, at most, 3 players would get into the England team. This is assuming everyone was fit, and not the England team that played Croatia at Wembley.
When they're all fit, our back four (Neville, Ferdinand, Terry, Cole) are untouchable. Gerrard and Hargreaves in the middle, I'd put Jole Cole on the right and Krancjar on the left. I'd probably rather stick with J.Cole on the left and Becks on the right, but that depends. Upfront Rooney and Owen/Crouch/Defoe/ or you might replace one of the latter with Eduardo, though he didn't do much either, save for that one assist, in the match.
I don't know much about Croatia's goalkeeper, but i would have felt very confident if we had James between the posts. Hopefully, by the time the World Cup comes around Foster, Carson and Green will be very good goalkeepers and we won't have a problem in that department.
I can see Owen's point, and we make the point ourselves every 5 minutes on TSR; we have good individuals a crap team. Sort it out, Capello.