Yeah, cool down's important...and it's one more thing to forget in the 'heat' of the moment. Whack something hard or get something plugged up or someone unexpectedly comes up to the machine, my tendency is to shut right down before going further. Not a good habit if a turbo is spinning.
As for turbos themselves, they're one more thing to go wrong so, my attitude toward them is that they're great if they're really needed; otherwise, Keep-It-Simple and try to avoid. For operation at high elevations (say 3500'MSL and above), they're needed.
I expect that, as they become more common, the problems with heat and lubrication will be solved. 5 or 10 years down the road they may not require any special handling and will probably last as long as the engine.
Welcome to TBN.
Bob