Fortunately here it rarely gets above 78F, and this one's on the northside, but I still don't like it. In this situation it is a vaulted ceiling and the finished ceiling is the underside of the t&g roof decking, with the romex being under the vapor barrier I would consider it to be within the building envelope. Both big concerns and I agree that even thick plating (nail plate gage) it's still a hazard. Does that mean there is no safe solution? Do we stick the homeowner with a couple grand extra in work?