Agree with all of that, especially that he needs a loan next season, but we do have to remember, he is a 17 year old kid playing up an age group for the U21s, and is obviously also one of the better players for the U18 age group for England (based on the fact he gets regular minutes for England at that level)
He is however not currently ready for anything above that level
Edit - his development has possibly stalled over the past year or so as he has spent so much time sat on the first team bench or being 21st man etc rather than playing for the U21s etc, perhaps Rovers should have taken the line of "you are not ready for first team football.. play some games for the U21s", instead they have tried to half integrate him into the first team, which doesn't seem to have benefitted anyone
Finneran compo will very likely never be fully revealed, although is probably sorted at this point and will almost certainly be in the initial 10s (possibly low 100s) of £K, with the vast majority based on future achievements and sell on fees