how long are you hitting full boost for on a cold night?
if its a drive home from work, probably never, maybe 5secs maximum over the course of a 15min trip
if you are worried, then don't sit at full boost for long. if you want to give it some stick, then drive mroe sedately afterwards
as someone already said, there's no program in the ECU that makes the turbo shit itself at 14psi.. its just one of many risk factors for the turbo going bye-bye