For me it has to be a 4-4-2 with England, at least a version of it!
I play with them regularly and play:
--------------James-----------------
-Brown---Ferdinand--Terry--Cole-----
---------------Hargreaves(DM)-------
--------Gerrard(CM)---------------
-SWP(RM)-----------------Cole(LM)--
------Rooney(SS)--------------------
-----------------Owen (CF)----------
Hargreaves and Gerrard compliment eachother brilliantly, there's an argument for playing lampard but Gerrard and his attacking attributes are so good that he becomes invincible if used properly.
Rooney and Owen are unstoppable if you get the ball to them quickly and get them running, which hargreaves helps to do.
If this doesnt work you could just stick crouch on and put it on his head, this formation is a bit more total though!