1. Oil changes, and quality of oil are important. Look for a FSH - preferably a main dealer one, with no missed or late changes.
2. Check around the injectors for signs of blowby - particularly No 3 (counting from the cam belt end)
3. If you can pop off the inlet hose to the turbo and check for play in the shaft; if not, then listen to the turbo via a stethoscope for any untoward noises.
4. If possible get it on a Lexia, and check the pressures across the DPF filter - it should be close to zero at idle, and less than 50 - 60 at 3000 rpm.
If it passes these tests, and you get it home, it needs some intervention - the sooner the better!! You need to change the oil (only use a 5W30 low ash /SAPS oil - it's expensive, but cheaper than a turbo!). Drain the oil when hot, and only via the sump plug, keeping the car as level as possible during the draining. Next remove the filter in the turbo oil feed pipe. Sadly, this is as not as easy as it sounds. The banjo is screwed into the block behind the DPF, so this needs to be removed in order to get access to remove the bolt. In most cars, this will require the removal of the radiator, as otherwise there isn't enough room to get the heat shield out. Takes 3 or so hours the first time you do one....! Once the bolt is out, just pick out the strainer from the end of it. With this removed the turbo will be fine - ours survived a low oil pressure event (7k after it was replaced), caused in part by the vacuum pump, which beings me to the next point...
Once you have done this, remove the vacuum pump (RH side of the engine as you look at it) - really easy with the air pipes off, only 2 bolts holding it on (one is an extended one with a ball on the end to clip the air pipe on). You will find this also has a strainer on the inlet (

Now, put it on a diet of oil changes every 6-8k and it should be good for a while. Monitor the inlet strainer on the vac pump - if it shows signs of blocking, then further action (sell it??!!) may be needed. Monitor also the injectors - check (carefully!) that the injector clamp bolts are tight at each service.
If you do get as far as a low oil pressure event, or the vac pump is blocking up, drop the sump, clean out the strainer, clean the vac pump strainer again, and put it back together. Monitor the vac pump again, and if it shows further signs of blocking, the drop the sump again, and this time remove the strainer mesh from the pick up.
It may all seem like a bit of a faff, but it's better than changing a turbo outside in January, trust me....!
If it all goes pear shaped, and the turbo does let go, then new cores are available on the bay for just over £100, and not too hard to fit DIY.