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No it doesn't say much about Mick's judgement - if you simply look at Wikipedia, you see that, at the beginning of qualifying, Finnan had only a handful of Premier League appearances at a newly-promoted Fulham, whereas his competition for the right-back position, Stephen Carr and Gary Kelly, both had years of experience in top-half Premier League clubs, which would have naturally put them ahead of him in the pecking order at that time and, as both helped guide Ireland through the successful campaign, it would also have been natural for Mick to have chosen them as the main two for the right-back position in the squad, had Carr not been injured.
Handful of apps for a newly promoted team? Finnan was named in the 2001-2002 PFA Team of the Year.