a) If they have the money, some should go train elsewhere because this is how you learn. You can always come back anyway but you'll never forget the best you can do with both structures. And I think new coaches, younger ones should step up. I was never a fan of Elena's OTT programs and attitude in them because it was too much, but if Yulia L. was always very soft and composed on the ice. She never forced anything it was great to watch. If only she knew how to choreograph Dance programs ! Otherwise money should be used for outside choreographers : not necessarily from Russia, not necessarily figure skating choreographers.
b) You say there are a lot of mismatch teams, I'd say you need patience because you better have a mismatech team that works well and develop than to swap parters again and again. Not everybody can have success overnight, and even putting 2 strong people together doesn't work. Exhibit A : Elena & Nikita.
Stepanova/Bukin work very well and absolutely need to stay together because World podiums are calling. Loboda/Drozd need a complete packaging change and refinement. Sinitsina is very good and S/K needs to sort out their behaviour issues, not the skating.
c)Attention should already be on junior teams, S/S are the most promising by far but are going through injuries, it happens. And they have to stay in juniors because they'll have no chances in seniors and might go very low in the seniro ranks. And since there is always this "wait your turn" policy, it's not looking good.
I'll have to add that there is no exceptionnal talent every single year. You cannot find 2 I/K's per season, so they spoiled you (and me) but that are rare cases.
Also Stepanova/Bukin have grabbed pretty incredible opportunities : managed to go to Worlds 2015 (3 spots), Worlds 2016 after B/S meldonium case, and overtaking S/K for Worlds 2017. They were a no-drama team, and somehow what looked like Russia's biggest chance for a medal in Beijing 2022 might just vanished if he doesn't sort out his case ASAP. He's been banned once, if the Russian fed doesn't get insurance that it won't happen again, they'll let them go, because there won't be no point in supporting them.