To have any chance of staying up, we've got to score at least 40 goals & concede no more than 60. We currently do not have the fire power or creativity to get to 40 goals, therefore, in my opinion all the money and loans need to be focused towards that ability. Buying Conor Coady for £2m, £3m, £4m or £5m is taking money away from strengthening our attacking ability, same goes for O'Brien at anything from £5m to £8m. Little holes that need plugging up like back up CCB's should be done for as little money & risk as possible.
If the budget is £20m, then £10m to £12m of that needs to go on a foreign based CF (based in France, Italy or Spain, more than likely fully capped at international level for an African country), then about £5m on an attacking LWB.