I would 100% still pick Henshaw and Payne. Schmidt is most likely looking to build a centre partnership that can grow to be solid over the next year or so. Henshaw and Payne have done nothing wrong as of yet. They've made no huge errors. Yes, they haven't been outstanding either, but a partnership like this is going to take time but Henshaw has a massive future ahead of him, and Payne, on form, is incredible. Fitzgerald is always in and out.
Also - I would play Healy for the first 40 minutes, then bring on McGrath. I don't think Healy would have the same effect coming on off the bench. I also can't see Sean O'Brien starting unfortunately. My starting XV would be:
1. Healy
2. Best (provided he's fit - if not I think Strauss, as Cronin has more of an effect coming off the bench)
3. Ross
4. Toner
5. O'Connell
6. O'Mahony
7. O'Donnell
8. Heaslip
9. Murray
10. Sexton
11. Dave Kearney (Zebo does nothing for me. Yes, when he's good, he's very good, but he's not been good in ages. Kearney had a great six nations last year. He is so quick that it is hard to hold him down)
12. Henshaw (although I would like to see him at 13)
13. Payne
14. Bowe
15. Kearney
I hope we can produce a performance that'll win us the match, but not show too much off. The tactics need to be kept for England.