This is partly about perception really as quite a few players mentioned as being crap for England didn't actually get many games to prove themselves, i'm not sure it's right to say they were crap if they were a bit out of favour rather than not playing due to being crap.
In a similar way some players had to play slightly out of position for England so were asked to do a job for the team and were never going to shine in the same light.
I thought Steve McManaman was OK for England but got passed over in favour of Darren Anderton who I did think was crap compared to macca, that was largely down to him playing for Spurs and Glenn wanker Hoddle picking him for that reason.
Robbie Fowler didn't get as many games as he should have but there were always rumours about drug use around him, I recall about 25 years ago there was a programme where they asked George Best to pick his all time England side and he put Fowler up front.
John Barnes was asked to play more of a holding role for England
Rooney was great to begin with as he burst onto the scene and nobody knew how to deal with him but he retained his place by reputation long after he should have been dropped
Gerrard and Lampard as mentioned couldn't seem to click when playing for England though I thought Lampard performed better than Gerrard
Le Tissier again didn't seem to get as many games as he should (only got 8), think there was an England game that was going to penalties and Le Tiss was still left on the bench by Hoddle despite having never missed a penalty for Southampton
So a couple more contenders -
Bryan Robson - Over rated
Glenn Hoddle himself as a player and crap manager