Personally, I'd say pump. But that's mainly because I want water coming out of the exhausts and it wouldn't look very realistic if it stopped as soon as you stopped! Plus I like the idea of the ESCs and motors still being cooled whilst at a standstill, especially if you've just been on a big fast run and everything's running hot, you want to keep dumping that heat overboard after you've slowed down!
But scoops are a lot cheaper and easier to find/incorporate into the model. Getting pumps that have a suitable flow rate, and run continuously is hard, and you also then have another power draw, AND you still need a scoop or intake of some description to get the water to the pump anyway.