Now that we know both games, I'll start with the one that matters.
CRO had the huge comeback and i'm sure everyone who thought they'd be fatigued are expecting they'll even be more fatigued for the ship. I wasn't too worried about that and feel justified when seeing Vrsaljko in the lineup despite everybody assuming he'd be out along with CRO making zero substitutions until extra time.
Modric was the sparkplug, but he served the flanks quite a bit instead of dominating possession. I imagine that was due to the ENG defense keying off him, but things looked bleak until Perisic found the back of the net. FRA should use a similar strategy, but I've been really impressed with their defense this tournament and asking CRO to break through their CBs on crosses could be a very tall order.
FRA got on the board with a header off a corner then held on for the victory to advance to the final. They had opportunities to add a second, but blocked shots and Courtois played a huge role in keeping BEL in the game until the end. Those headers seem to be extremely difficult to predict, all I know is that if you have more of them then you have more chances to find the net. The FRA defense has defended very well and I'd expect they will make it more difficult to recreate this than the CRO backline will, but I think it's too hard to rely on a corner kick.
The easiest goals come from counters, which both of these teams have shown they can do. I almost want to say that is what Deschamps has decided to play for as he's chosen defensive lineups over offensive the entire tournament and has appeared to bottle up his own offense at times this tournament. That certainly limits the margin of error, but FRA with a lead has been nearly impossible to beat (and also equalize). Just ask the most talented offensive team in the tournament, BEL, whom they blanked.
DeBruyne is a better playmaker than Modric, at least in terms of setting up teammates. He and crosses from Mertens were the best chances BEL could build, but I'm not sure that will be an efficient way for CRO to create offense considering the overwhelming BEL talent. I'm struggling to come up with ways that CRO will score besides set pieces or FRA mistakes. The normal run of play is an option, especially on the counter, but I'm concerned that it will become a crossing contest if FRA pulls ahead.
Offensively, Pogba in an open game is a concern. I'm not sure we'll see that, but I don't think he'll have to help on defense as much as he did vs BEL against a less dynamic attack. Griezmann is scary because he can strike from anywhere, which puts a lot of pressure on a defense despite him not being a constant threat. Giroud hasn't done much in this tournament, but I'm not as afraid of the CRO central defenders like I would be on other teams. Besides these three, I'm not sure there's a lot of offense to fear on this side either and the CRO defense has been great despite lacking the fanfare of big names.
I'm strictly in the "life is too short for unders" camp, but the nice thing about soccer is there is no overtime to worry about on under bets. The biggest concern would be a team jumping ahead 1-0 and then the other overextending until they're trailing 2-0. Same could be said about the equalizer, so preventing that first goal for as long as possible sounds like the key. Neither team is here because they outscored the competition to cover a leaky defense, plus nerves and pressure and a month of intense matches every four days also likely means everyone is carrying a knock or two. The total probably sits above 2, but even with all the eyes on it i don't think it hits 2.5.
If offense isn't going to be the name of the game, that also makes any sort of spread even more important. Since CRO closed +0.25 to ENG and FRA was favored on the pick-line to BEL, i'm expecting FRA to at least be -0.25 if not laying half a goal. At +0.5 with reaching ET or winning in regulation meaning a win, it'll be hard for me to avoid backing the dog. FRA should be favored, but I can see CRO winning or drawing a low-scoring game that seems ticketed for ET