Even if it doesn't come with oil lines you can get them made cheap, just go to napa and use hydrolic hose and get custom fittings and it can be done cheap.
If the Cougar and Contour Zetecs are the same then you can't use the stock manifold cause it puts the turbo too close to the AC compressor and your downpipe will hit it, and you won't be able to give it a good bend to clear it. You need a manifold that mounts the turbo around the 3 and 4th cylinder so you have enough room to put the downpipe. I have a 3" downpipe and a turbo mounted right around the 3rd cylinder on a log manifold and I have barely a millimeter of clearance between the pipe and the bolts on the AC compressor.
Doing a do-it-yourself turbo is cheap if you can do the work yourself, the most expensive thing is fuel managment. What year Tour do you have? If you have a return fuel system it will make it easier since you can use a little fuel pressure trickery to swap bigger injectors to get the A/F ratio right.
You still have to deal with timing. Timing has to be low under boost, and as I have recently found out you can't pull too much timing. Pull a lot of timing in the midrange then add alittle back in the upper RPMs to cool the EGTs. Boost and EGT guage are MUST HAVS, forget Air/Fuel, spend the extra cash and get EGT.
This link will give you an idea of what's needed:
http://www.axs4u.net/home/louiem/ 
. All the power to you! 
