IDK If I were an inspector I'd be more concerned about and start with residential panel / service changes in older/existing homes with 2X4 wall's, how the service entrance conductors (or feeders) are routed. 14/2 on a AFCI breaker not so much.
An example is a job like this; a unfuesd 4/0 AL SE cable that has large diameter, used to replace service conductors that were originally a raceway wiring method in wall.
When doing a service upgrade the new service conductor size will likely exceed the capacity of any existing raceway so the installer removes the raceway and uses the cable.
Clearly the SE here has more surface area to get hit by a nail,
The larger the cable the more likely it can be subject to physical damage.
For this SE cable issue there are other code sections that apply like 230.50, but when its 'subject to physical damage' can be interpreted in many ways.
I know in some parts of the country SE is routinely run exposed below 8' even on the exterior and not considered subject to physical damage, even routed exposed like this photo, at least you know where the cable is.
but if this wall were rocked and the cable mostly buried in the wall I wonder how much of that SE cable will be within 1-1/4" of the surface or more? And that looks like an ideal place for upper cabinets or shelving:
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