We could have done with Lovren this season.

I think this is the difference between us - as I mentioned before I think you go on what you would do whereas I'm going on what I think Klopp and the club will do.
I freely admit to not having a piggin' clue how to run a football squad. I rarely suggest how or who I think we should play - all I do is observe what happens and draw conclusions from it. We've seen that Klopp goes for players he feels he can trust, even to the point of playing them out of position rather than rely on an unknown quantity. Incomers generally have a period in purgatory until he's sure they're ready to give him what he wants.
With that in mind, I think he'd be reluctant to jettison known quantities and take a risk on players who, despite their record elsewhere, might just bomb in this league.
That's before we even begin to consider finances.
If I do have an opinion, it's that I'd rather be relying on Phillips as back-up than Williams - who is just not ready for this level yet.