Phillips' problem is much like Mings for me....when they cock up there's no hiding it. But most of the good they do goes completely unnoticed because it's not flashy.
Phillips is a quiet carthorse and defensively I think he offers more than Nak and Luiz but that's probably because he can drop into centre half so easily, but our two have a slightly more rounded game even if they can't do that.
Given Nak's improvement I'd say overall they are about the same. Luiz has far more potential but not necessarily DM.
Getting back on topic, Jack will go but like others, I don't see him being a regular starter until he again gives Southgate no choice.
For me, Albania and Poland showed us all we needed to know about the favourites Mount, Foden etc - they are not bad players, don't get me wrong. But they ain't Jack.