The best versatile midfielder we can get if Bernardo were to leave is FDJ.
We know Pep is a big fan, we know his salary is not the stupid numbers people have speculated before. He has loads of experience at the top level, he can play as a CB, 6 or 8. He compliments Phillips and Rodri.
Why are we going to let him go to United or Chelsea, strengthening an opposition side greatly while giving Barcelona enough money to buy Bernardo and we get left looking at second rate replacements like Paqueta a few days before the window shuts.
Just do the swap deal, stop overthinking everything!