i don't think they do have an array of talent:
Loftus- Cheek, Barkley and Ziycheck i see leaving in the summer
Kante 31 and Jorginho 30 coming into their last year of contract
And Kovacic and Mount, yes
Havertz i see as a forward with Lukaku, and probably Werner leaving, But i think Gallagher is better than anybody else with maybe the exception of Mount.

“That’s a joke son, I say, that’s a joke.” “Nice boy, but he’s sharp as a throw pillow.” “He’s so dumb he thinks a Mexican border pays rent” “ “Son… I say, son, some people are so narrow minded they can look through a keyhole with both eyes.”__ Forhorn Leghorn

I half agree with you Willo in that I don't see Gallagher getting regular game time (regular bench time perhaps); and this even more so if he fails to recapture his first half season form soon. Current talent includes players nearing the end of their Chelsea playing careers, but I see Chelsea simply buying in what they deem to be ready-made players.

Chelsea cut De Bryune & Salah free - they probably get reminded of that on a regular basis -

Players are people too - some are working in an environment where they can progress & thrive & some are unfortunately stuck in the basement (3rd or 4th choice for a position) but are reluctant to leave because the money outside Chelsea is considerably lower than the package they signed up for & some can still have international careers because Chelsea reserves is still better than other less fashionable clubs.

The only time (since oil money arrived) that I can remember Chelsea having an appetite for pushing youngsters into the first team was during the transfer embargo, then as soon as that was over they spent big & replaced the manager with someone who could handle the international superstars.

I am sure the people that follow Chelsea will say that I am over simplifying the situation & can point to several success stories outside of the picture that I have painted but for me this is a general outline of what I expect from them.

As long as they have money & are allowed to buy players rather than develop them, they will do so.

Only time will tell, but for my 2ps worth I highly doubt he will be a regular starter.

We've seen first hand the dramatic drop in form, that happens at Chelsea, you are out of the team.

Plus, with Kante and Jorginho getting on, they will just buy a couple more CM's. They cant afford to gamble that Gallagher will work out. That's not what they do...buy more then they need and the best play.