You're both correct. A few years back they released parts of the Al Qaeda training manuals for the public to see and I distinctly remember it stating that a Jihadist should establish himself as a pillar in the community, as a professional, a businessman, so as not to stick out but instead be respected by those who live around you. These people are like moles. Patient ones too. How many of them, did we later find out, had embedded themselves in their communities for 15 - 20 years before carrying out or attempting to carry out some sort of attack? And the response from others is the community is always shock and disbelief :

"No, not him. He was a good man who worked hard and had a business for so many years here."

It's the MO.