No you're not alone TBY, I've been saying Gerrard is shit for years. For all the pundits' praise on him getting one 40 yard pass in the right place, they ignore the multiple times he loses possession or shins it out of play. Lampard is worse.
Ashley I'll keep, as he is the best LB we have, (though nothing on Sir Psycho himself, but then we haven't had a left back that good since him), and I'm sure there's something there with Lennon. He's more reliable than Walcott, if less spectacular. Terry is a carthorse, and you can't play another carthorse alongside.
Rooney? Club player great, but he's not at the races in SA. Time to be big and tell Uncle Fabio you're not fit. Defoe/Crouch (for all I've criticised Crouch in the past) are a known item, and score goals both apart and together.
Either start with those 2 up front, or it's time to throw it all away and start again.