The primary purpose of a polarized filter is to remove unwanted glare from reflected surfaces such as glass. A spin-off effect of the polarized filter and removing glare is saturated colours with fewer clipped highlights.
Unwanted glare is difficult to edit out. Saturating colour is very easy in post.
The effects of an ND filter and the resulting slow shutter speeds on an image are wide ranging depending on the effect you're trying to achieve.
Bottom line is that using each of these filters, when used for their intended purpose, can produce great results. Neither should be considered easily replaced by post-production especially the ND filter effects.
OP, your choice should always be optical effects over post-production effects. Just make sure you understand the purpose of optical effects.