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Do it!!!
I had to. It is few weeks old foto - behind me is steep gravel downhill and you see this streem in the last moment so I had to slam my brakes. One side had pretty big stones so if I didn't check it I would end up in it.
How bad is it when you end up cycling into a pit like this, potentially at some speed? Has the water made the soil soft in the road leading the front wheel potentially getting stuck and throwing you off, or will you most likely cycle through with a significant splash and be on your way?
I guess a huge part of it might be the problem of not being able to see so well what's under the water, in case the road has been damaged?
You are right - you don't see what's under water. These are streams (op's and mine photo) so there is usually hard gravel so no problem with 30mm+ tires.
In my case there were bigger stones so if you hit them in best case you fell off bike, in worst case you fell off and damage wheels.
Sometimes it is best to get off and push your bike.