Two questions re. 300.4 and 550-15(C) (and similar)
First, for cables passing through wood members and without the required 1 1/4" setback: Has anyone experienced problems with sheathing fasteners (power driven staples or nails) missing the studs (and the protective plates for NM cable) and penetrating the cables?? As I read the NEC the plates DO NOT have to extend beyond the edges of the studs.

Second, 300.4(D) for cables PARALLEL to the studs and without the required 1 1/4" setback there appears to be an additional requirement for plate protection: If protection extending beyond the stud edge is required in this case where misdriven fasteners can impact the cable why not at drilled holes or notches?? What am I missing??