Unless you have a finished room both above and below the target room, future wiring issues are a minimal worry IMO. It's nice to think ahead, but even nicer to realize your future options.

If the basement is open, you can use it to run wires and come up through the wall plate into the desired wall.
If the area above is attic, come down through the top plate.

Most homes have access one way or the other. I've built a few that didn't, but IMO it is the exception, not the norm, for a family home. First floor has basement access, second floor has attic access. If you have three floors, you've got an issue with the middle one. In that case the extra tubes would be well worth the investment.

I do not work here, but the benefits are still awesome
Make your sound your own!