But does their ability matter, as things stand? Just as we don't get to choose the monarch, the regent is something set out in the law isn't it? And unless they change that (as they did for Charles to put Philip in in place of Margaret), it's Harry. And if Harry isn't available - it's Andrew.
Philip was born royal and I believe in the line of succession in his own right albeit very far down. John Major was an ex Prime Minister. None of that applies to Kate.
Presumably for now they're just crossing their fingers rather than opening that can of worms.