i understand your situation. i was going to go the RT turbo route myself if the dealership was going to play games about turbo replacement. my car isnt tuned or anything but still, options. they gave me a two month lead time. a little long but palatable since i have a beater to drive.
the oem turbos are not the only ones that are difficult to split. they ALL are that way, regardless of brand or mileage. older, crusty turbos are worse but they all are like that. forever ago, a friend and i split the turbo open on the FB RX7 as it was burning oil faster than the 13B was itself (lol, jokes). i think we went through 3 cans of PB Blaster with one full can squirted in the turbine end, facing up and let it sit over night. we didnt have mallets so we improved with a baby sledge and a small piece of 2x4. it took, i dont even know, too long but it finally split apart. the turbine seal had cracked in half and the shaft was several pretty colors of blue.
you only have to drop the engine for AWD cars. i would also advise it for RWD cars but you dont HAVE to. it just depends on tools and shop availability. the passenger side turbo is a MF but the driver side isnt too bad.