If I was going to pick a squad to leave next month, this would be it; of course a lot can change between now and next summer with injuries ...
James, Green or Robinson
A. Cole, Rio, JT, Johnson, Richards, Upson, Lescott, Bridge
Lennon, Lampard, Carrick, Gerrard, J.Cole, Beckham, Milner, Barry
Rooney, Crouch, Defoe, Owen, C.Cole or Heskey
I would opt for 2 keepers not 3. I doubt in the history of the World Cup many squads have used there No.2 GK much, let alone their 3rd Choice.
Beckham could of couse play here if needed
Richards gets the nod as he is equally uncomfortable as a defending Right Back or Centre Half
Beckham could of course play as a sweeper in a 'Franz Beckhambaur' role if needed.
Owen would be my gamble with the extra player after taking a GK less.
Only wild card for me would be Hargreaves if he proved his fitness, equally at home at Right Back or Midfield.
edited: if the rules state 3 GK have to be taken as mentioned below, then at this moment in time Michael Owen would have to miss out.