If someone is contemplating ENT or EMT vs NM it looks automatically like exposed wiring. In wall prices are all over the place right now but I can’t seriously believe NM is that special. If it’s DIY where labor is $0 then maybe ENT makes sense. AC/MC and EMT will cost more in materials. If it’s contracted then labor cost vastly exceeds the material cost and the only guy not happy is whoever is eating the cost increase.
Running separate distribution panels maybe makes sense but I doubt it. First you are adding at least one additional breaker and possibly more if you use one per sub panel. So that’s half an NM roll. The wiring to the sub panel is larger so it costs more per foot vs however much branch wiring you save. If diversity works out you save money but if you are say using a 60 A feeder to feed four 15 A branches, the increased wire size is going to cost more than the smaller branches. Plus the cost of the panels that is about the price of a roll of NM. So without running numbers it seems like a wash at best.
In controls we often look at all home runs to giant overstuffed control panels vs remote IO. Almost every time the giant control panel wins in terms of pricing for initial installs. But over the long term there is a big difference between troubleshooting and repairing 10 feet of cable to a remote IO panel and hundreds of feet of home run, particularly if the home run is a multi conductor cable and gets damaged.