Hoop Blah I don't recall McDermott ever saying he wanted more to spend or claiming it wasn't partly his decision to largely stick with what he had. Obviously he can't be too candid about the subject because he has to motivate and work with the players, and that's why I take very little notice of the cliched sound bites.
Zingaravich said that it was a decision they made, they being the decision making unit that it was implied McDermott was part of.
It still sounds like you're inferring Zingaravich is making stuff up!
Add in the fact that Coppell, McDermott, Madejski and Hammond have always said in the past that if they find a player worth buying for a reasonable amount for their ability and value to us, then the funds will be made available. Given Most of what we've seen says that Anton runs the club in the same way. I see no reason to believe Brendy's "say it until you give in" view that Hammond / Madejski / Zingaravich told McDermott he had £5m to spend, "like it or lump it".
Add in Coppell apparently saying he was surprised how little we spent (showing that he'd have expected more to be available). And I think the evidence stacks up pretty overwhelmingly, and fits in with McDermott's quotes, to be that he was amongst the decision makers in choosing how much we spent on bringing in new players this summer.
And if McDermott was given £5m, and thought it wasn't enough, then frankly its poor management not to have fought for more. It seems pretty damn unlikely he wouldn't have been listened to given his record and relationships with Hammond, Madejski and Zingaravich. And if they were bad enough that he would be ignored, he'd have been given the boot before Xmas, rather than them keeping faith in his abilities.
If he did think it was enough, then it's back to him not having done enough to try and improve his squad.