It wasn't a little water, Travis got his truck drunk on creek water. I think the motor is fine, it's just that the S&B intake has the cold air tube that sticks too far down.
Electric fans will probably work, they'll just be a pain. If possible, I would see if any oem parts can be made to work, that way if you're going to king of the trimmers with your new club cadet rig and your fan craps out on you, then you can go to the next parts store and get a new fan instead of trying to deal with summit and getting your truck home because you can't tow that much with no fan.