I recently replaced the turbocharger on my 4jh4 HTE and stumbled onto a short cut you might be interested in for changing the impeller. Removing the three bolts and the two hose clamps on the exhaust manifold allows great access to the raw water pump. It is relatively easy to reach in and remove the bolts and impeller. I think it’s less hassle than removing the alternator. Turns out, the old turbo was fine as was the exhaust elbow, which I found out was bronze and bullet proof. I went ahead and replaced the turbo anyway since I had many hours invested in taking everything apart to gain access. I was also worried because I didn't hear a turbo whine when throttling up. I learned later that low pressure turbos don't always emit a distinct whine like high pressure turbos do. The new turbo sounds exactly like the old one. This information might be helpful for Hunter 49/50 owners with over 1000 hours on their engine who are contemplating replacing their turbocharger as scheduled maintenance.
Ok, try to do this when your boat is in the middle of a channel, and you have 15 knots of wind on the beam.
The modification permits you to change the impeller in less than 10 minutes with zero stress.
Btw, I know of some folks that tried the “work around” you are suggesting. It was just impossible while cruising with a hot engine below your chest.
This mod costs $200, and takes less than a day. It’s illogical not to do it, and is the ONLY reason I was able to keep my boat. I cruise to the 1000 islands, and there is an overnight passage through dangerous shoals. I refused to do this until I had a way to keep myself safe .