Existing house about 15 years old, Existing meter base outside 3 wire entrance cable going up to breaker panel on second floor. Electrical contractor wants to add circuits for outdoor lighting, but running wire to panel is impossible, he wants to change to a meter disconect combo with breakers outside for lights & main service diconect, imo he would need to change to a 4 wire service cable (seperate net & groung) to breaker panel, but he says he dont want to cut sheet rock to rerun cable. What is your opinion?