Maguire can't get into his club team but will start, makes no sense. I agree with you and would start Timori and Stones.
If Wilson can stay fit he's the man to get a goal when you need one. Kane will be good for the easier games.
Dier, Maguire, Trent, Henderson and Rashford all very lucky, albeit Henderson is probably picked on the basis Phillips may not be 100%, even though he himself ain't a definite starter as I reckon Bellingham and Rice will be the spine in midfield. Maddison definitely well deserved, shame he'll likely only get about two five-minute cameos, far too creative and attacking for Southgate's liking. Tomori and Toney very (very) unfortunate.