I run a K&N and have had no issues.
Shutting down with a hot turbo does not make the compressor blades hit the housing... . at least not directly.
A hot (over 300F) shutdown, can cause the shaft bearing surfaces to "coke" the oil... this means burn it and leave behind a residue that coats the shaft... . both the radial and thrust bearing surfaces. So now the bearing surface is not what it should be, and thus starts to wear the bearing a little. It also may not spin as fast as it should.
And so it goes, and eventually the bearings wear to the point that the shaft has too much radial and/or axial play.
Once the play gets to be excessive, the compressor blades can hit the housing.
Now the spec for play (movement) is probably around . 010 - . 015" or something like that... I don't have the specs in front of me. But even a little more play than that and you'd still not hit the housing.
When I took mine apart I had probably . 090" of axial play... . there was literally NO thrust bearing left. The main shaft bearing was fine. The compressor wheel was a good bit smaller than it used to be.
In my case, the disc portion of the shaft that is the thrust surface had cracked and a piece broke off, (thus becomming a lathe tool) destroying the bronze thrust bearing.
Now dust entering the turbo via a poor air filter will "sandblast" the blades but won't make then hit the housing (unless your talking gravel). The dust can get into the intake, cylinders, etc and score the cylinder walls. It can also get into the oil, and some may sneak thru the filter system... . but if enough gets thru to destroy the turbo bearings, then this will be the least of your worries.....
Sorry for the rambling post..... but I haven't done one for while so I'm due
Jay