when I last played this prelude, I had to try a couple of different ways to find out what worked. taking it between the hands (IE, play top note with the R.H.) didn't work because it was difficult for me to preserve the tone quality when switching between the hands. The bottom note always stood out more then I wanted it to (especially since its just an accompaniment figure). So I rolled the chord, but the important thing is to make sure that the rolled chord doesn't interrupt the flow of the rhythm and to make sure that it doesn't stand out of the surrounding texture. If you roll the chord correctly, nobody will even realize you've rolled it (I hate how that works haha).
Incidentally, here's another suggestion for fingering that isn't notated in any editions I saw. In mm. 3, I like to play the 16th note Ab (in the treble clef) with my R.H. So the counter-melody figure would work: Gb/C (lh 2/4) - Ab (rh thumb) - Bb (lh thumb). This might sound needless at first, but the advantage is that you are able to make your counter-melody legato (instead of two thumbs, which is near impossible to make legato) while you allow a pedal change in order to make the high Gb in the R.H. stand out.
Anyways, just a suggestion. I LOVE the raindrop prelude, hope you enjoy it as much as I did.