I installed the kit myself, with no directions(ok, a couple of phone calls were made

), and have had the kit installed for about 2 months/1,500 miles. The kit works absolutley flawless! The main problem with turbo kits is the fact that people become to accustomed to the new found power, and in turn crank up the boost. This is when yu run into problems...you have guys buying boost controllers, beating on their cars, and then crying when they blow the engine.
The Street Flight kit is the only turbo kit available, as of now anyways....It is a full install and drive kit, provided you have a 3" exhaust system. The kit comes with everything you need to have the car running in about 15 hours.
The intercooler water does get warm, but you need to remember the discharge temperatures that it is responsible for cooling. Also, there is a front mounted heat exchanger to help lower the water temp before heading back to the holding tank in the trunk.
Air to air I/C can run at a maximum of 70% efficiency(on a really cold day), while air to water can exceed 100%efficiency given the right conditions/cooling agent.
As far as the guys talking smack....install your beloved kit and go run some times/numbers. We'll see you after you blow your engine, or when you come crying because your car is slower than anticipated/expected.