Yeah out of pocket. because there are no codes.. the Route66 insurance folks wont cover costs. As to the wastegates, ford does not replace them, only the full turbo.
To be honest i was not shocked by the waste-gate being a full turbo replacement. keeping two bins full of parts is more costly than one bin full of more expensive parts. and on average i bet these tiny little turbos eat themselves way more often than just blowing out a wastegate.
since it will be out of pocket for the turbos if it comes down to that, I will see about having a speed shop do it and drop in ATPS.. no sense in going better and bigger for about 200$ more.