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Just the tell tale worn out sounds, look in the turbo if ya can and see that it's clean, should have a little oil but nothing grainy. Check the fins and see if they look worn like an old fan blade. I guess turbo rebuilds can suck. I haven't had to do one yet. I think I'll go aftermarket when the time comes. If the fins are worn it means the guy didn't even change the air filter enough so the motor might not be any better.
Thanks everyone for the input. I always appreciate hearing real world advice from people who likely use their things in a similar way that I plan to.