I'm no Finn fan, but I'd argue he's not played out at all.
If anything, he's somehow been used worse in this NXT run than he was in his post-injury WWE run.
If the result is anything other than them hitting the reset button and going with Finn Balor as champ, it will be the wrong result and beyond stale.
Sure, you could argue for better picks - not that any of yours excite me in the least, TBH (except maybe a revitalized Ali actually being used properly) - but Kross's injury was not exactly something they planned for.