Agreed about Hargreaves. After watching him last night, all the merciless criticism seems pretty ridiculous. He played an excellent game, certainly far better than Lampard has in any of the matches.
The question is, if Hargreaves comes in, who goes out? Lampard has been terribly wasteful with his chances, but at least he's getting chances, and Gerrard has scored twice but hasn't had a huge impact aside from that. Beckham has been poor most of the time, but is the captain and won't be dropped, while Cole has been probably England's best player over the three games.
Is there any chance of leaving Crouch out and playing five midfielders? Might leave too much for Rooney to do, but England have plenty of midfielders who like to get forward and help out, so it shouldn't be too bad.