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Oil cooled turbos are typically journal bearing, ball bearing will almost exclusively be water and oil cooled.
You will get much better transient response (on/off gas pedal) from a ball bearing turbo, but honestly it's preference. I like journal bearing/oil cooled because they're cheaper, less things that can leak, and are easy to rebuild.
Some will say that ball bearing turbos spool faster, but hardly; it's the transient response they're talking about. Ball bearing water cooled turbo is certainly better for daily driving, for no reason other than temperature management
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