I think water to air is the only way to go with ought having a negative effect on your cooling system. That is if the intercooler radiator is mounted behind the radiator, as in under the tray. Anything hot in front of your Radiater can’t be a good thing.
And a top mount changes the aerodynamics of the vehicle. There has to be low pressure area behind the Radiater for air to want to flow through it. An air scoop would raise the air pressure in the engine bay making the air want flow around the Radiater not through it.
I don’t know if it would be enough to cause any issues but from what I’ve seen is that air hardly flows into the air scoop and in some cases even flows out of it!
But then if the water to air intercooler has a leak that’s also not very nice for the longevity of the engine either!
I’m probably over thinking it but I just can’t decide?!