I had my brother's T25 rebuilt. It depends on what you value. Do you want to go buy a $100 "used" turbo and spend 6 hours swapping it out to find that it's possibly trash? Or, would you spend $225 on a rebuild and know that you can do 14psi without worry for as long as the motor holds up? How about $300+ on a "used" T28 for more power and risk? With a daily driver, I value reliability, and a rebuild was the only way to achieve that with 100% certainty.