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.
Original Motor/VF-40 Turbo/15k OCI, Amsoil 0w-30 SSO & Ea. oil filters. Tuning Alliance Stage 2+, 18.5psi. Member; 200K + club. Currant mileage:250535