For those comparing 2018 and 2022 Croatia, I'd say that if you compare a collective of players, this is a 100% percent better balanced team. More overall quality.
BUT, we had more world class players back then. We had some rather average players mixed with world class midfielders and strikers. Bar Modrić, we miss the likes of Rakitić and Mandžukić who were winning CL finals for their teams. But we have more talent and better future outlook than we had in 2018.
I'm 99% certain that some of these players that have their stocks priced low, will be considered as world class 4 years from now. We have a well balanced set of old + young players.