Preheat and Prep: Preheat your oven to 350°F (175°C). Grease and flour a 9x5 inch loaf pan.
Mix Dry Ingredients: In a large bowl, whisk together the flour, sugar, baking soda, cinnamon, salt, nutmeg, ginger, and cloves.
Mix Wet Ingredients: In a separate medium bowl, whisk together the pumpkin puree, oil, eggs, and water until well combined.
Combine: Pour the wet ingredients into the dry ingredients. Mix with a spatula until just combined. Be careful not to overmix; a few lumps are okay. If using, gently fold in the chocolate chips or walnuts.
Bake: Pour the batter into the prepared loaf pan and spread it evenly. Bake for 60-65 minutes, or until a toothpick inserted into the center comes out clean.
Cool: Let the bread cool in the pan for 10 minutes before carefully inverting it onto a wire rack to cool completely before slicing.