A vastly improved Kepa is still very underwhelming, not as good as Ramsdale, Alisson or Ederson and about par with de Gea who we're likely to replace anyway.
James is very good. Badiashille is an untested entity but he'll prove to be good I'm sure, Fofana is a crock so far, Colwill looks good at Brighton but so did Cucurella. Silva, again, is obviously very good. Your CBs are good but I don't rate any combination you've listed as better than Laporte - Dias or Saliba - Gabriel, at their best I put them below van Dijk and Konate. Chillwell is okay, I never rated him that highly when you signed him and I still don't rate him that highly now, he's behind some of his counterparts at other top 6 clubs, I wouldn't swap him for Shaw, for example. Cucurella so far looks like a bit of a flop to me.
Fernandez is another untested entity but he's only been in Europe for 6 months, what his potential / ceiling is remains to be seen, but when your rivals have Casemiro, Rodri and Partey in a similar position then he doesn't stack up that well. Kovacic is pretty good. You've not included Zakaria but I'd include him and I've liked what I've seen of him so far.
Sterling's been dreadful for you. Nkuku hasn't kicked a ball for you so no comment on that one, it would be unfair. Would also be a bit unfair of me to slate Mudryk too much as it's early days for him but your rivals are boasting some of the best wingers on the planet.
Havertz is hardly Haaland, Jesus or Kane. I'll leave it at that.
So yeah, for the money spent, I'm still pretty underwhelmed by this Chelsea side.