I hear ya, it is luck of the draw to some extent. But there's pretty much no need to stud a 6.4 unless a guy is planning on beating on it pretty hard.
That would scare me even further.
I've never had a problem with the 6.4's I bought bone stock.
I apply full power frequently, but not repeatedly.
I've seen plenty of torn up tune-only 6.4's and they have one common denominator... novice performance diesel owners. The ones owned by guys who have been driving 500+hp diesels for a long time and have been keeping them alive seem to have no problem with the 6.4's. The guys who have never done anything more than install a tuner and exhaust tend to tear them up quickly
Just what I've noticed