"Out of reach", as a code requirement, depending on how you read it, only applies to the over-head drop, and unprotected conductors outside of the sheath, or conduit.
I run next to windows all of the time, Sometimes its the best way to get a strap on my RMC. (I would also be allowed to run that entire service within the walls...)
Mark Heller "Well - I oughta....." -Jackie Gleason
