I know people really want to see a Maddison in midfield, or play Foden there which would give us another attacker on the pitch. But against the best sides I think that just leaves you far too open and vulnerable. You want to get the best out of Bellingham, he's our best player, so if that means playing someone behind him, alongside Rice, just to do a lot of the dirty work then so be it. Gallagher, Mainoo and Jones are all decent options. I think Mainoo will be the obvious option in the future, but whether the Euros is a bit too soon for him is another questions seeing as he's not even had a full season at club level yet.
Gallagher will give you that gritty 7 out of 10 performance and allow others to shine.