If it makes you feel better, I've had an award for academic distinction on an automotive engineering and design course and still know f all on the grand scheme of things.
On a positive note 95k is more than a lot of folk get out of a turbo. Religious oil changes and letting the engine warm up properly as well as idle at the end of a drive definitely go a long way to preserving turbo life. Despite improvements in turbo and oil technology I stand by turbo timers or just sitting in the car and letting things cool for a minute or longer after a hard drive before shutting it off. My mate follows that philosophy and has seen 250k on a stock turbo. My record so far is 160k and the seals were just starting to weep, but I sold that car.
You could get the turbo rebuilt or sent in on an exchange basis for a refurb unit provided the housing isn't damaged.
Half the time when you trade in a car they don't even properly check it as it just gets punted to auction unless it's newer and worth putting on the forecourt. Wbac is a possibility or alternative company. I sold the 120d to an equivalent company and the guy that checked the car didn't notice the chain rattle.
If it was the old days. I'd I've unplugged the turbo so there's no boost and more so no whine but reckon now it'll throw an engine light straight away.
But I'd look in to rebuild costs. You'd still have labour on the removal and refit and maybe a few days hire car for rhe mrs but usually always cheaper, there will be a company somewhere offering good turnaround times.
In my personal experience, cars always go wrong when you least need it.
Or alternatively /salvage yards for a used one. Thick oil might shut it up but with the way it sounds now I reckon it won't fully silence it.
Edit** as usual just to make sense. Wiped out earlier for the 2nd time in a week with a migraine so wasn't long up when I wrote this originally.