Well I think you crossed the border into Stupid Town long ago vlad. I dint know rio played for man u aswell but the fact remains that this wasnt a meaningless friendly or a comfortable game for england, this was the most important match england had played since the world cup and englands first choice defenders sat on the bench knowing full well that they would miraculously be fit days later. As far as im concerned there is absolutely no point debating whether terry could have played because obviously he could and should have. The only slight reprieve he may have is that Mcclarren himself didnt want him to start but i really doubt that dont you.
I think it's time you put up or shut up. What is your evidence he could have played? What is your evidence he chose not to? Why did he choose not to play?
There is plenty of evidence that Terry plays through injury (too much in my opinion), there is plenty of evidence that he regards being England captain as the highest honour he could have, there is plenty of evidence he never runs from a fight.
I cannot imagine Terry being fit to lead England in an important match and choosing not to.