Knows the league, is English, could drop straight in, cheap.
Allows us the reassess the situation in the summer where we can keep him as 3rd choice and he’d be happy with that.
Alternatively you go for Felipe who ticks less of those boxes, hasn’t played for months and probably isn’t better anyway.
I’d love us to sign some elite CB for £30m but they probably aren’t on the move in January, would have elements of risks/settling if from a foreign country (no one in England is selling us one) and we’re not really in that place in such a crucial position