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Should I pre-empt my BMW 320d's turbo failure and replace the unit now?

My 2002 E46 BMW 320d Sport which I have owned since new has now done 168,000 miles. It is always serviced at the correct intervals. The car is still on its original turbo. People told me this would fail at around 90,000 miles and I can get a reconditioned, exchange Garrett turbo including 12-month warranty for approximately £385, although replacing the oil supply lines and fitting it will cost as much again. Is it worthwhile replacing the turbo ahead of any potential failure? I intend to continue driving the E46 as it is my daily commute vehicle. I do approximately 20,000 miles a year.

Asked on 14 July 2012 by DN, Thornton Cleveleys

Answered by Honest John
The oil supply pipes can coke up and cut off the oil supply to the turbo bearing, leading to turbo failure. But this usually occurs to engines that have had an oil change every 20,000 miles and which the drivers have never idled before switching off for 30 seconds while the red-hot turbo was spooling down.
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