Sorry this is incorrect information, because you are pushing you turbo beyond its capability you will cause the shaft to “over-spin” to produce the required boost end of story the slightest stress fracture in the metal could cause the Impeller to explode also you could possibly twist the main shaft forcing the wheels into the housings.The only way this turbo wheel will shatter is if something hard gets into it and pushes it into the intake, as for the compressor wheel shattering for no reason....not easely.
Secondly why don’t you just upgrade the stock turbo? Why chance a failure that could cost you your motor or your turbo? Your spending that kind of money anyway, I am sure you could source a T28 for the price of the chip and dyno then just run the stock management which will work until you have more money.Im going to do it this way, Install chip dyno, Check power
To my understanding you’re now spending more money on the likes of a “boost cooler kit” or what ever to just save you from the first place where you wanted to save money by not buying a correctly sized turbo.I would suggest that you add an aftermarket intercooler or a straight pipe from turbo to inlet with water/meth or an intercooler with water/meth to cool down the charge, your engine should be fine if the tuner sets it right, it must not detonate/ping.
If you add water/meth you should get more because of increased timing capabilities
Also running a “larger” correctly sized turbo will drop you intake air charge allowing your intercooler to be more efficient at a higher or stock boost setting. Do as Draco said “if your gonna mod, always remember to do it the right way, it will save you alot later”