How can a direct injection diesel have injectors mounted outside the valve covers? Unless they've got a long fuel line extending from the injector to the cylinder, which would be quite strange.
Can the HPCR injectors fill the crankcase with oil? Yes, but then so can any injector that gets stuck open or leaks. I don't recall more than 1 or 2 people on this board who had their crankcase filled with diesel with these engines.
You must be aware, however, that any common-rail injector system will be, by it's nature, much more sensitive to contaminant-induced wear than a jerk-pump arrangement. These type of injectors do not respond well to wear at the needle and seat, which are positioned right in the cylinder. That's why so many Duramax guys are running 2-micron fuel filters (something I want to set up on my truck eventually).
Overall, the Cummins HPCR has seen FAR fewer injector failures than the early D-Max's have. However, the fleet is still rather young. Keep in mind that the Cummins injectors are of the same principle of operation as the D-Max, but are of different design... one that has been in use in Europe and the 6BTA for over 2 years now with a good record (as far as I know).
I don't think injectors or fuel system are a "show stopper" for the choice between the GM and the Dodge. However,
this thread contains a couple photos that were show-stoppers for me!
