"Do you nail plate everyone of those holes when drilled through a 3 1/2" stud or are the inspectors in your area just not aware of 300.4(A)(1)?

If your aim is dead center the largest hole you could have is 1"

I don't drill across bays and I nail plate the top of the stud. Although the nail plate should be on both sides, can't do that on a outside wall no one has ever said anything.
Saying that I have never had a nail or a screw into a wire in a new construction job