Hi
Yes I have the turbo and to date was not aware of any cooling problems.
I have a older GM truck that I have had the Lund summer and winter grill inserts attached since I bought it (1992) and have had no issues with cooling (other than when towing a large boat).
I would be willing to try some kind of insert in the PT just so that I can protect the rad from debris. Having to replace the rad would be much more costly than investing in an insert kit (and having to remove it, if in fact I experienced a cooling issue).
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