Well, so far, my neighbor was told "no fireblocking is needed at all" when he called to ask. The GC went in person and was told that it is needed, first floor only.

nesparky:
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...more than electricians make holes in framing.

Yep. I believe (I may be wrong...) water pipes, especially heating/hot water pipes, need space around them to allow for expansion/contraction of the copper and to prevent noise from banging.