If we actually loaned out Rose (club-trained), and bought Kurzawa (non-HG) before any other outgoings all that good housekeeping bollocks goes out of the window. We'd have net spent to reduce our CL squad size and it might not even be an upgrade.
Anything is an upgrade on 17/18 rose tbf, he was dreadful
On your other point, if this actually happens then you're correct. This whole HG nonsense will be exactly that; nonsense fed from the club.