Setting up a new subpanel to easily add circuits later

I’m working on defining renovation requirements and as part of it plan to install a new subpanel in the hallway by the bedrooms. The panel will initially be wired for two of the bedrooms and a bathroom while the wall is still torn open. I’d like the ability to easily run NM-B when I later rewire the third bedroom, and add a minisplit in the attic. The bedroom circuit would go out the bottom of the panel through the crawlspace, and the minisplit circuit up to the attic.

How can I legally make it easy to add the wiring for these circuits? From what I’m reading I cannot run 2″ sleeves to the attic and crawlspace. Is that correct? Would it become legal if the 2″ conduit ran to junction boxes in the crawlspace and attic such that it’s now an enclosed raceway? Derating doesn’t really seem to be a concern here since I’m looking at adding so few circuits later.

Or should I run NM-B for the future circuits now and have it terminate in attic/crawl space junction boxes for future use? I guess that would definitely be legal, though permanently add a junction in each circuit.