One thing is abundantly clear; We don't need to sign a starting centre back, you may want a shiny new toy but we don't need one because we have two players (Adaradiayo and Garcia) who deserve an opportunity right now. Stones is also only 26, so very clearly not finished as a consistent starter if and that's a big IF he matures, that's certainly not uncommon for a CB at his age (VVD is proof).
Can you clarify what it is you want to happen ? Otamendi was on his way out this year and before Corona we would have wanted to get rid of this summer. We clearly struggled at CB this both with injuries and form. You could perhaps argue we are a man light or at least we never replaced Kompan and Fernandinho is old and only got one year left and of course I want to gain ground on Liverpool So whilst I agree that we need to give Garcia, Adarabioyo and HWB shot. I am not sure how that matches with my previous comments the only way I can see is us getting a stop gap player or maybe loaning some of the youth players out which we do not like doing and then buying someone and them then coming back in a years time and replacing Fernandiho and perhaps even Stones if he has not regained his form.