I'm saying it doesn't matter whether or not he's been dross. We've been no better without him than with him. That's what matters.
It's what I've been saying all year -- you could put any one of about 30 Premier League keepers in goal for us and there would be next to no difference in the results. There are a handful of goalkeepers in the world who will legitimately make a team better: De Gea, Lloris, Neuer, Butland (this season), etc. After them, you have a few hundred goalkeepers who are all around the same level. We would be right around the same place this season whether we had Schmeichel, Begovic, Guzan, or Ruddy.
I'm not defending Howard. I'm not criticizing Joel. I'm saying that ultimately neither of them is either the problem or the solution for this club.