Aight, went with the second option. Got a $420 used K04 off of a 2.0 TFSI BWJ that the owner upgraded to a GT35xx, built the engine and is now pushing well over 600hp according to his dyno logs. Turbocharge is by no means new but for a 225k km charger is in a pretty good shape with close to no play in the compressor wheel. In case it does break later on, it's a $300-$400 repair which is still only half of what a brand new oem charger would cost (I've looked at the local prices again, they are higher than I remember). Now all I need is good weather and I can get started on putting this car together as it's currently on stands in my garage.
Will be the first turbocharger I install but luckily I have people to rely on in case I need info on anything.