in a test perspective, i will go with the descent option because it is easier to navigate visually when you are flying a straight line then when you are doing zig-zag. once you turned away from your original heading sometimes it can be hard to judge your track made good without using the gps, especially if you have to zig-zag for long period of time (> 5 mins).
the bottom line is if you are taking an exam, always choose the safest option (i.e. descent and maintain 1000ft vertical seperation below the cloud if you are above 3000ft AMSL or 1000ft AGL).
Good luck with your test!