Spray foam won't help the OP, you have to have the studs exposed to do it right.
As for future mods, spray foam is typically only 2" in a 3.5" cavity, so there's room for extra wires. It's no more a hassle than pulling a wire through a wall, drill some holes and fish it through. Spray foam is great for airsealing/insulating but I would only use it in select areas. Roxul is great in walls. I worry about fire in these newer homes, the walls are full of the stuff and they will burn fast. It has zero fire resistance, unlike fibreglass, roxul, cellulose.
By the sounds of the OP's walls, if you don't want to open the walls blown in is your only option. It will settle over time but you will be long gone before it is noticable. cellulose packs in really tight and doesn't settle like the old wood chips did.
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