Agreed.
We can't replace the whole team and I think it's obvious where our biggest deficiencies lie. The defence has been very good in the last 3 games so, assuming that they don't go backward massively between now and January, I'd leave well alone and spend any available money on a couple of strikers, two midfielders and a RB if Dumbaya isn't the answer.
By all means bring in a CH if there's money left and we can get better than we have though.