I have a 200 amp mb panel that is being mounted in residential one family garage on 3/4" plywood over 5/8" drywall garage / house separation wall. I have 100 amp SER cable and 3 12-2 romex conductors and 2 14-2 conductors that i need to land into this panel. Ceiling is also drywall forming right angle fire separation for dwelling with wall drywall. My cables come from unfinished attic space above and I want to run them down into panel. They penetrate ceiling separation assembly. Can I just run cables down plywood into panel and fire caulk where they penetrate drywall or should I sleve in conduit? PVC conduit? Thoughts?? Similar experiences?