If the engine winds up in the water, a 2-stroke is MUCH easier to clean out. Run the 2 stroke for 5 minutes at high throttle and the water is gone. With a 4-stroke, you have to take it apart to get the water out of the crankcase, cam housing and rocker boxes. If you don't, you will be taking it apart to replace the bearings in a week or two anyway.
So there you go. 4-strokes for the guys who never crash or land hard, and 2-strokes for the reat of us.
Jim