Midfield is still a must. Howson is 34 do needs replacing and he didn't have a backup so we need 2 in that position, ideally both better than Howson. Hackney had looked good but is still young, needs another player that can play the when his form drops out just to rotate. Payero may be able to be one of these players but it seems unlikely he'll be coming back.
Send the loan players back (Muniz and Mowatt), no point developing other teams players if it's hampering our own. Giles and Steffen can stay because we'd be weak without them.
We're not going to get promoted or relegated so getting experience for players like Hackney, Ford's, Hoppe is less risky but can be better in the long run. Maybe the same for the keeper.
If we're going to play with wingers then a left sided winger is needed, maybe 2 so 1 acts as cover for both wings. Youth players like Willis might already be this player.