I'm struggling with the versatility thing myself, why would England need a Centre back who can play midfield when they have ample cover in midfield better than Ben White.
Assuming we play with two DMs in a 1-3-2-4,
we have Rice, Henderson & Philips all returning from injury. That is a massive risk. Bellingham is only 17 and surely along ‘for the ride’ and Ward-Prowse is a world class set-piece taker but a very average EPL midfielder beyond that.
I also think that White is better going forward than any other CB in the squad including Stones. With a 26man squad, White is a good insurance policy if we get multiple injuries of suspension in the centre of midfield or defence.