It does amaze me that people with a Cummins in a pick-up have these problems but the delivery vehicles that use the same engine,and higher HP and torque settings, don't have these problems, and they weigh more and when they get to there stop they shut them down immediately. I have changed turbo's because the air filter was damaged and damaged the compressor and from internal engine damage damaging the turbine. Holset makes a very good turbo and failures are very rare. Keeping up on your oil changes, keeping your air-cleaner stock and clean, and you vent system clean and open, and you will not have any problems. Over-fueling, black smoke does a lot more damage to the turbo, and high RPM does not help. Stock and you will have no problems.