yeah, i totally agree. The head-gaskets are the ones that ford put on in 97' on the motor i have, but i just got lucky that my tune was nice and rich, so it dident blow, i certainlly would never run 15-20 psi regularly with my truck engine.
And yeah, you could absolutly do this with a stock engine, i mean mine is basically stock, nothing crazy, and the same bottom end a 95' comes with. ALso, i did run an intercooler, but its a small one because i know about the cooling properties of the long piping. It must work tho, no detination AT ALL.....it used to ping like crazy before, but a tune has a large part to play in that.
All in all, i would definatly reccomend a turbo system....soooo fun!