Without seeing this, it is impossible to properly answer. Of the 2 electricians you have quotes from, 1 may be giving you the correct answer, while the other is giving you the easy answer. Or 1 may be giving you the correct answer and the other giving you a method that will make them more money.
That said, get another quote or 2. Or ask the local building department's electrical inspector for what he wants to see upon inspection, you might even pay for a pre-inspection.
