The problem with waiting for the is20 to blow before replacing it is the potential of more work and cost and depending on how bad the turbo blows parts that may need to be replaced other than the turbo.
I for one would prefer not the extra cost and replace before it goes.
Good point ...
Find it a little bit frustrating spending 30$K + for a car and having to pay 1800$ + to replace the turbo for piece of mind.