That last scenario (interior camera on lower floor) is what I was asking. I'm comfortable pulling cable through an attic and down walls without any problem. The problem is when they need to be on the lower level on the interior. What a nightmare.
Yes, I hate insulated walls too. Even worse than insulated walls, though, is a nice fireblock to drill through. It's one thing when you're pulling a single cable, but I did a job just last week that was a 16 camera system and there was a fireblock halfway up the wall at the endpoint where I was connecting to my DVR. That's a big bundle of cable at that point!!!