IMHO, it comes down to your risk, what will make you feel comfortable, and how much money you want to spend. Pulling Ethernet through the walls and patching drywall might not be something you care to do if risk is low.
Also, if someone really wants to not be on camera, they’ll wear a mask, turn the power off at the main panel, etc. That said, there are cameras that can run on battery and store footage locally when they can’t phone home to wherever they deposit video files.