That's probably fair.
I'm not convinced Lampard is worse though, or at least worse for Everton. Silva managed games very badly for Everton, however good a coach he was.
I probably agree on the team, especially if we lose both DCL/Richarlison. That's probably why a signing like Tarkowski, who stabilised us for a period of time makes sense mate.
That's my my big fear following what you essentially advocate mate (which I broadly agree with) that we dont have the flexibility to take such a risk on short term performance. Tarkowski will likely help keep us up, and away from pressing danger.
We still have a reasonably group of younger players, who will hopefully improve with coaching, and I think Lampard will benefit from a pre season.
Iwobi, Gray, Gordon, Mykolenko, Holgate, Patterson, Godfrey are all ok PL level players who can get better. It's not a bad base.