I have had a let on an f20 for three years and have had no problems. I put phase 3 on about 18 months ago and still have no problems. The biggest problem i have is finding a clutch to fit it and take the torque. Buying an f28 is cool (do people still use that word), but they are considerably more expensive than an f20 so it takes the fun out of having a cheap(ish) fast banger! Does anyone know if the f20 and the f28 are the same gearset up to 5th?