I think the analysis forgets the fact that the names he replaced are much better than the players that they have now. Sure they have some good players, but to say Livakovic as one of the best goalkeepers in the world now? That seems like overrating him a bit, maybe barely top 10, but that's it.
To say the least, they have a roster value that is matching teams that are not even in the world cup, surely they played better than their roster value but that is exactly the reason why they are doing good. They do not have great players, they never did, they had a few here and there, but none of their players were stars aside from Modric, who is the sole ballon d'or winner during Ronaldo/Messi domination period, but this game is played with 11, so they had 10 other players who were not really finalist level good. The thing that makes Croatio good is not the players, it's the team spirit they play with.
I would consider Dominik Livaković as one of the best goal-keepers in the world right now. And you are admitting that you would include him in the top-10 list. In case he is in top-10, then automatically he becomes one of the best, right? What separates Livaković from others such as Emi Martinez, Yassine Bounou and Wojciech Szczesny? I can't find anything. IMO, he is at the same level as them. Do you remember the match between Croatia and Brazil during Qatar 2022? Croatia won the match mainly because of Livaković. Unfortunate that he didn't got the Golden Glove.