I never thought Lichaj or Hogg were good enough for us, they will have respectable careers though, as will Lowry and Herd.
Lichaj to be fair has improved immensly from when I first saw him playing centre half in a preseason friendly I think at Lincoln (?) a few years back, god he was shockingly bad that day. And Hogg has had two career threatning injuries so mentally they must have quite abit going for them.
Albrighton is raw but can improve and Bannan is the most gifted but needs to know how to apply it.
I don't think you should change Dunne or Ireland, when you look at their attributes they are correct, its just FM cant take into account current situations like we are currently in. Dunne would improve probably every back four in the league except Man U, Chelsea and Man C if he was on form.