Ever notice those water pipes in and out of the bearing housing? They aren't there because they're pretty.
Ever noticed that many aftermarket turbo builders offer ceramic coatings on exhaust housings that they claim keep heat in and improve spool? Ask yourself why they'd offer that if it shortened turbo life and exposed them to a higher warranty return rate.
Terrible things like this don't happen where I come from. Other terrible things happen instead.
Obligatory 'build thread