Vermin, I haven't built in cob or
straw bales yet, but I have lots of experience, commercial and residential, embedding electrical wiring and water supply lines in
concrete, foam, and other walls and floors that one would hope never to have to cut, dig or chip into to get to the problem wire or tubing. For these situations I use either smurf tube (ENT - electrical non metallic tubing) or pvc conduit. Yes, it adds costs to the job, but having the ability to easily install wires or tubes, or pull out the wire or tube and install a new one, is a huge benefit. I have loads of stories where I was called back to jobs to upgrade wiring or replace damaged wires, being able to pull an old wire and install a new one in minutes, usually leaves the customer in awe and results in tons of great referrals.
ENT is waterproof (if installed correctly) and pretty easy to work with, is available from the big box stores, and is not terribly expensive (especially if you do the work yourself). if you have to join pieces, don't use the snap connector, use a pvc conduit connector, and glue it like you would pvc. this gives waterproof connection. If you use pvc conduit, realize that if it is buried underground, it will probably end up with water in it eventually! Not really a problem as the thhn wire you would run thru won't be hurt. One trick I would recommend is to chamfer the inside of the end of straight ends of the conduit, including sweeps, this will help immeasurably when running a snake thru the conduit. I have a 1.5" 4 bladed 30 degree bit that fits in a cordless drill that does a great job. Or use a "electrical mouse" or a piece of paper towel tied onto a string with a shop vac.
One thing most people hate to hear is that most water supply systems installed today will not last "forever", or sometimes even close to the life expectancy of the building. I do a fair number of repipes, so I can attest to that statement. I have spent loads of time debating with other builders, plumbers and product reps about the "best" available materials, right now, it's PEX and Stainless Steel. I have snaked pex through smurf tubes buried in concrete, or underground - works great and can easily be replaced. Just make sure you don't have real tight bends!
If you are interested, a good resource on ENT is
http://www.homedepot.com/catalog/pdfImages/99/991ca07a-b974-4e37-bf19-f841095d1fca.pdf this is from Carlon
also, if you have a smart phone, Summit Electrical Supply has a useful app for iPhone that helps figure out how many wires you can fit in different types of conduit.
A word to the wise - make sure you pressure test your DWV system, including vent stacks! I know you will be told other-wise (especially on vent stacks) - I have a job right now with a sewer gas smell in a small brand new house. I will be doing the pressure test myself, while the owners are living in the house. So, even though there is no pressure, unglued joints, or other screw-ups happen, and having sewer gas smell in a new house is a major bummer!