I agree that Howards form was a bit iffy at the start of the season and yes he was at fault for the goal against Stoke, along with the rest of the defence, but I dont think he has done anything wrong apart from that. He is one of the best and most consistent goalkeepers in the Prem so I dont really think that we need to be looking to replace him
Joe Hart was good last season but he has been absolutely atrocious all this season, thats why City were so desperate to bring in another keeper. IMO he is nowhere near as good as Howard and so I definitely dont think he is good enough to walk straight in to our side.
There are other area of the side that definitely do need strengthening so I think it would be a big waste of money going after Hart