Given now.
Hart in 3/4 years time which I know sadly, is nigh impossible to happen unless we sell him and buy him back. Rightly so, he is going to want first team football as a future England number 1. In that amount of time there will be no James and Co either so it's a given (no pun intended) that we either play him, or sell him. Surely loan deals don't make sense for that amount of time.
Given is a great keeper. He just needs work on his kicking and distribution and coming out to collect the ball.