If England played a 433 at the time they could have incorporated all three reasonably well -
.....................CF.........................
.....LW...........................Gerrard......
..........Lampard......B2B...............
..................Scholes.........................
I can't think who could have played the B2B role off hand.
Edit - Just checked England's 2004 Euro squad, which is their best, B2B could have been Owen Hargreaves.
Interesting take.
I remember Owen Hargreaves played quiet a few times as our DM or even RB during our CL winning run so he definitely had it in him to do so for England.
I would go for a 4-2-3-1
....................Owen..........
....Rooney.....................Becks
..................Gerrard...........
........Hargreaves......Scholes.....
Would have Scholes/Hargreaves as the double pivot. Would be a very good combo of possession, protection of the back4, passing and creativity to unlock lower block defenses, something England struggled under Erikson. Scholes could also bomb up the pitch and offer support to the front line with his shooting and shadow running to nod crosses in, something he did for us on numerous games.
Gerrard ahead of them as he was the more physical and attacking threat akin to the Bruno Fernandes of his day.
Have Rooney occupy the left channel mimicking Henry. Rooney also played LW for us on numerous occasions to great effect.
Have Beckham provide the necessary workrate and creativity, crosses from the right and Lampard coming off the bench.
Have Lampard be on the bench and bring him on for the Rooney/Gerrard role. That would be my solution to this conundrum.