Says who? Of course we will never know, but we “lived” comfortably with Croatia for pretty much the first half the other day. Croatia arguably played better than France today. If we’d adapted to Croatia’s change in tactics (or perhaps man-markedly Modric) then we’d have another story. They didn’t blow us away and think we’d have gone on to comfortably win had we taken one of our chances at 1-0.
France would’ve been strong favourites if we played them - rightly so - but over one game of 90 minutes then anything can happen. So to say England wouldn’t have lived with either side is inaccurate as far as I’m concerned.