It seems we’re hell bent on the 5 at the back, in which case McNeil would need to play wing back or we’d need to play a 3-4-3 which Alli can’t play in.
I think with 5 subs it allows Lampard more freedom to mix up formation and personnel during matches
I can see us switching it up as and when needed so that the formation fits who is on the pitch at any given time
That's where Lampard and the coaching staff earn their corn by getting the players fit and capable of switching formations during a game