When you have a turbocharger defect, you generally don't need the complete turbocharger; you need only the exhaust manifold that is part of the turbocharger. Don't buy a Rover exhaust manifold, because they crack, like yours probably already has done. Instead, buy a CAST IRON exhaust manifold, which bolts right up to your turbo. Cast ion manifold will not crack like original "mickey mouse" Rover ones do. A cast iron one will crack only if someone tightens the bolts so tight, that their tightening causes the cracking. Regarding the turbocharger itself, there is little to wear out on them; they have a rotor with shaft riding on brass bushings (the bushings wear), but bushings can be replaced for only a few dollars (they need to be pressed in----have auto machine shop do it for you). The terrible expense comes from the extensive labor getting the old one out, and putting the new one in, mostly because getting at the turbocharger/exhaust manifold is terribly difficult to gain access to (it is between the firewall and the inner side of engine, terribly tight quarters for working on). However, I would never ever pay anybody $10,000 dollars to do that work.