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The turbo on my TDi went away at 97K, it blew the oil seal, bearings shot, turbine hit the housing. Lucky that my motor didn't eat some of the turbo. It was no rebuilding it.
The 100K timing belt changes are a pain also. On gas motor , the owner is better able to change his own belt, on the TDi to do it correctly, you need about $300 in special tools.
My car is chipped(upsolute) and i used to tow my 1500 lbs 1956 beetle with it. I this shorten the turbo life I'm sure.
The replacement was new, from a place in new England, i can't remember the name. They sell mostly VW parts.
It took me about 6 hours of work to replace it, it's not hard, but it's hard to get it.
A dealer charges 1600-2000, so the OP is correct in that.
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