I do some homebuilding and I encase all my wires within walls (especially telecom) in PCV conduit (not quite Chicago style of using EMT), which allows me to pull what I want through and after the walls are finished. It also lets me upgrade my 240V conductors to handle higher current situations as I always conduit dedicated runs for dedicated circuits. I do not build slab homes, only pier and beam or basement foundation, so there is always room to go under. For plumbing, I use PEX-A for water but transition to copper at a stub pipe resulting in that being the only connection in-wall, with all branching done under the floor or under the water heater connection point (which is exposed with a water filter and access panels).