I think it depends what we're looking for.
In general I agree the Fred/McT can't be the long term plan as they're not good enough. I have a lot of time for Fred and have no issue with him being a starter but the problem is that he shouldn't be our best cm which he is when Pogba isn't available. McT is definitely a good squad option but unless he kicks on a lot I just don't think he has enough to his game and the right side with him and AWB, particularly if throw James in there, leaves a lot to be desired in terms of ability on the ball.
However in principal they could work as a base in a lot of games but the attack needs to be a lot better, we don't have enough players who can work in isolation in attack and as a unit there's not enough cohesion.
Personally I think that whilst both are a problem (assuming Pogba is leaving in summer) that it's the attack that needs more work. I'm just not convinced that their issue is a lack of service, they just are not gelling as a unit at all and it's hard to see what we're trying to achieve bar individual moments, countering and the Shaw overlap. I don't see it as a case that the players are just not being found or given the ball in positions where they can then create for others.
As a base to stop other teams passing through us in the middle, then I think it's a decent pairing. But, for us to control games and to kickstart attacks from the middle, it's a very lacklustre pairing for that. It doesn't matter who is at the top of the pitch in this case because we can't work the ball from defence to midfield and then to attack with these two in the middle. We're too reliant on getting the ball into wide positions and starting attacks from there.
I like both Fred and McTominay, but we need to move up a level if we're going to convert games like today into wins. We just did not create enough quality chances and especially starting from this midfield position. It's meant to be our engine room and our base of attack, but the passing just isn't good enough. As much as I like Fred, he's far, far too limited for what we need going forward. Or, he seriously has to work on his flaws to improve that side of his game. He doesn't contribute enough during attacks or doesn't get things moving. He has other great attributes, in the sense that he will work hard and will run his absolute heart out, but we need that extra quality now from one of these two. McTominay at least has shown a willingness to go forward and get on the end of things, or at least take shots in shooting positions. Not today, mind. And that cross at the end was tragic.
The attack most definitely needs work and I don't think there are many areas of our team which I think are settled or complete. Some areas are slightly better than others. Ish. Maybe.