Your turbo has engine oil passing through its bearings located between the intake and exhaust side of the turbo.
This oil not only lubes the bearings, but it cools them. You figure that turbo gets pretty hot with all that exhaust passing through it.
Now when your going down the road, that turbo can be spinning around 20K RPM. Now pull into a parking lot and quick shut off the truck, and that turbo is still spinning. I have heard people say it may still be spinning for a minute after shutdown.
Now that you have shut off your truck, the oil supply to the turbo stops. Even if the turbo was not spinning, its still real hot in there. Now that the oil flow has stopped, the bearings will heat up to match the temp of the rest of the turbo, which may be hot enough to burn any oil left in the turbo. when this oil burns it leaves a hard coating of burnt stuff on the bearings and shaft. This is called Coking.
There are several ways to prevent this.
1-Let the truck idle before shutting it down. This allowes the turbo to cool down, as well as slow down. With an EGT gauge mounted Pre turbo, I used to wait until I saw 300 deg before shutting down. An EGT mounted Post turbo is better for seeing what the real temp of your turbo is.
2-Buy one of those Turbo Savers which allows the truck to run for a preset amount of time after you take the key out. Kind of tough to do on a manual trans if you like to park it in gear.
3-I have heard of these oil acumulators that will continue to feed oil into the turbo after shutdown.
4-Run synethic oil, as it needs to get hotter before it can burn.
In my 2002 I will use number 1. I just let it idle for around 30 seconds (or longer if I was just moving a load or running hard) before I shut down the engine.
Its just one of those things that make driving a diesel different then driving a gasser. Like waiting for the "wait to start" light to go out when starting, instead its a "wait to shutdown" before getting out.
Sorry I really don't think I answered your direct question. I don't know of anybody that had the problem in a Ram. I did overhaul a turbo off a grand national engine (before I dropped it into a Chevy Monza) That turbo had all kinds of crap stuck to the shaft. But the owner never changed the oil. I got the engine with 50K miles on it, with a waisted bottom end (crank had 3/4" end play!), and 2 burnt exhaust valves. All caused by abuse and lack of maintaince.