I like Howard in the game. It simply lets the other 4 guys play their natural position and be most effective. Offense flows better (ball movement, motion, getting the "right shot"). Frankie doesn't need to score double digits; he can help the other guys do so.
Let everyone play where they will the next year or two, not where they need to this year out of desperation and roster imbalance. I get that you "play to win the game" and Jimmy has no time left in his career to think towards next year to the detriment of this year. My long-term outlook can afford the opposite.
PG: Howard 20 - 25 min, MG the balance
SG/SF: Mike, Trevor, Mali rotating around Mike's time at PG
PF: Trob, Lydon (although I do love the DC, Trob, Lydon backline with Howard and anbody else)
C: DC game by game whatever he can handle, Lydon as necessary