Exactly what I said earlier. Wharton's who you need to bring calm to the midfield while Mainoo is the one you bring on if you need to create something. Not sure the plan with Gallagher.
One alternative option is, if we get another goal before changes are made, take Bellingham off (I remain convinced he needs to come off once we're comfortable otherwise someone's gonna break his legs) and put Foden centrally to see how he does.
Hopefully England can grab a couple more so it's comfortable and we can take him off early in the second half. Keep him fresh and give him time to cool his head.