Turbocharged engines can offer higher performance and efficiency, but they also come with certain considerations regarding reliability compared to naturally aspirated (NA) engines. Here's an explanation in the points:

1. Complexity of Design
Turbocharged engines are more complex, with additional components like the turbocharger, intercooler, and wastegate.
Naturally aspirated engines are simpler in design, with fewer components that could fail.
More complexity can lead to a higher risk of failure in turbocharged engines.

2. Heat Generation
Turbo engines generate higher temperatures due to turbocharging, which increases stress on engine components, such as the turbo itself, exhaust valves, and pistons.
NA engines tend to run cooler, putting less strain on components and thus potentially offering greater longevity.

3. Maintenance Needs
Turbocharged engines require more regular maintenance, such as oil changes, due to the high-stress nature of the turbo system. Turbo seals and bearings must be checked to prevent oil leaks or failures.
Naturally, aspirated engines are generally easier to maintain and can go longer between oil changes without the same level of wear on critical components.

4. Turbocharger Wear and Tear
Turbochargers are high-speed rotating components that experience significant wear over time, especially if the engine is frequently pushed to its limits.
NA engines don't have a turbocharger, so they don't face the same level of wear related to forced induction.

5. Fuel Efficiency vs. Durability
Turbo engines tend to be more fuel-efficient, especially at high power outputs. Still, the engine’s overall durability can be compromised if the turbo is overused or the engine isn't maintained correctly.
NA engines generally have a more balanced long-term durability, as they don’t rely on the same level of boost and heat.

6. Cold Start Risks
Turbocharged engines are more sensitive to cold starts, as the turbocharger needs to warm up before the entire operation. Operating a cold turbocharged engine for extended periods can cause premature wear.
NA engines can typically handle cold starts better, as there’s less stress on the components when cold.

7. Driving Style
Turbocharged engines can be more prone to reliability issues if driven aggressively (i.e., rapid acceleration or high RPMs), which stresses the turbo system and engine components.
While not immune to stress, NA engines tend to have a more forgiving nature and are less affected by aggressive driving.

8. Longevity
Turbo engines may experience reduced longevity, especially if the turbocharger isn't maintained correctly, the engine is not adequately cooled, or the oil is not changed frequently.
Naturally, aspirated engines typically have a longer lifespan and are appropriately maintained due to their more straightforward design and lower operating stresses.

Conclusion:
While turbocharged engines offer more power and efficiency, they can be less reliable than naturally aspirated engines over time, mainly due to their complexity, higher heat generation, and additional maintenance needs. However, modern turbo technology and materials advancements have significantly improved their reliability.