freerider is right, normal petrol cars do not have turbo's on them.
Also if you suspect heat, it has to escape from somewhere, if your temp gauge is giving you half reading then its not the engine producing more then normal heat.
I assume your fans are kicking in at the right times, else you would have temp problems, so its either picking up heat from the turbo or exhaust, and if there is no exhaust leak as such (hence the question about noise), i think your all clear.
Meaning I would not worry about it.