I'm with you. It makes me laugh that people raise concerns about Rice-Bellingham-Foden as a midfield three but then suggest Rice-Mainoo-Bellingham would work better. Against Iceland whilst the general pressing was off and left us stretched, Mainoo's positioning and reaction to their movement was fucking woeful. It's not a coincidence the rags side he plays in is always overstretched. If that's not his strength then what the fuck is? Rice is a better asset on the front foot as well, but if the solution is Mainoo who is woeful positionally, TAA who isn't a midfielder or Gallagher who runs a lot and presses and that's about it then you might as well not bother.
It's pretty easy in training to set the pressing patterns and as long as everyone does their job, Rice and Bellingham can (off the ball) form a solid two in the middle. That suits England perfectly as one or both can look to make late runs into the box or play off Foden. Foden could even drop deeper and Bellingham could push up at times.