Re: 96 suzuki dt140 started and quit
If it won't turn over at all it is either not getting electricity to the starter or it has locked up solid. I'd check voltage, wires, etc, and remove the spark plugs to try to trun the fly wheel. It is possible that the lower unit is frozen but not likely. I'd expect to you would hear a click as the starter tried to turn the engine.
As far as the water pump, if you see bugs they have been in there and must be cleaned out. This does not necessarily mean it is clogged. My engine hardly runs on muffs. It takes it a while to get primed.