@Black-wolf ok I'll bite, CHO is unproven at any level . He is yet to start a premier league game and is currently kept out a poor Chelsea side by the likes of Willian and pedro.
The only teams he has been started against are Sheffield wed, malmo and dynamo Kiev hardly top end opponents. In fact the only top end side he has faced so far is Manchester city and he was only on the pitch for 11 minutes then.
While he's the new fresh face in the England squad he's likely to pick up a few MB but I'd expect this to dry up pretty quickly. As for PB well he doesn't stand a chance as he doesn't actually get on the pitch.
Finally the glaring fact is he's currently the 7th most expensive player on the index above rashford, sterling and if he scores tonight he'll probably chase hazard down. These are all established premier league / champions league players. All these players have proven track record against top sides CHO is therefore in my opinion massively overpriced by comparison.
To summarise little to no chance of regular divs, capital appreciation approaching a point where it makes little sense to purchase at the current price. The fact that a transfer out the prem could see him drop off the grid completely. Let's be honest if he cant break into the Chelsea squad why would he get into Munichs. In what should be a statistically driven market he provides none as he's only played a grand total of 377 minutes all season has 4 goals and 1 assist .