I think that a few changes could be made in this set, Ruddy has looked rather solid in my eyes this season. Nothing spectacular, but solid. Kind of like Ali Al-Habsi.
I'd probably knock his Defence value up 1 point or so. Again, his positioning can be faulty at times, but it's been relatively constant and stable this season. Heck, at times its looked outstanding (Bolton vs. Norwich). Similarly, his positioning has been solid for corners.
His Keeper Skills, similarly, could go up 1 point or two. More so for his shot-stopping over his handling (the latter hasn't been anything special), he has pulled off some incredible saves this season.
His Condition surely has to go up. Last season he played 45 out of 46 league games, and he's played all but 2 this season.