Would skip the loan for Billy and bring him back. He cant get into the Norwich XI partly because Daniel Farke is trying to play it safe and go with experienced players after a run of losses. But he's starting regularly for Scotland and has been playing well under Steve Clarke. I'd replace Saul with him, give him gametime like Callum, RLC are getting this year and let him develop at the club itself.
Next season - with the contract/age situations of Kova/Kante/Jorgi, the club needs to start planning the future midfield. Another bid for Declan Rice is inevitable but not sure if that is going to happen. Even if it doesn't, Gilmour is a great talent to develop for the future.