Re the golden generation.
As the stats shows, defensively we've been really solid in these sorts of games (bar Germany 2010), and thats because in Campbell/Terry/Ferdinand, we managed to find a defensive set up that was solid and complimented each other. Throw in Cole and Neville either side and it was a defence most countries would be envious of.
The fact is we didn't score goals, and thats down to a number of things
1. Our great midfielders of that point were all of an attacking mindset - Gerrard, Lampard, Scholes - There was no way we could shoe horn them all into a midfield, certainly not staying with 2 up top as England seemed to be stuck on. It meant on too many occasions players suffered from their normal game - Gerrard being the defensive one (he can do it well, but its hard for him and goes against all his instincts, something difficult to control when passionate), Scholes laughably on the left.... We lost shape and strength in the midfield because of it. I'd say its no coincidence that when we did use a defensive minded midfielder, they shone (Butt in 2002, Hargreaves in 2006), because it worked better than forcing square pegs in round holes
2. Metatarsals and other woes. Beckham, Rooney... Owen blowing a knee in South Africa....
3. Our attackers just didn't fire when we needed - a chunk of that due to the injuries above, but Rooneys lack of form at big tournaments is well known, and even Emile Heskey will admit he wasn't the man to do it alone....
Twas a great era of England players, but it just wasn't to be......