You could have a compression & leak down test done & have the turbo pulled & check for shaft play. The results could help make up your mind. This would be on your dime. But it's pennies on the dollar, compared to a blown motor &\or turbo.
Still rocking the Original Motor & VF-40 Turbo with 15k OCI. Member of the 200K + club. Currant mileage:234455