Hi, thank you for contacting JustAnswer.com. My name is Russell. I will do my best to provide the right answer to your question.
The right answer to your question depends heavily upon what you consider an 'average' $150-$200 fixed-lens IP camera. Please cite at least one example
Also, the answer would depend upon what you call 'Quality' in a NVR IP camera. Do you mean Mpx count (more detail), or ability to see in dim light or in the dark? or faster (higher frame-rate) video ?
$ 200 IP cameras may differ from more expensive IP cameras in the dark, in either being more grainy (less detail in dim lighting), or other qualities such as being able to see not as far into dark corners, or just plain not see as far in the dark.
A comment: I have been consulted on a case where incriminating photos were obtained in a warehouse in dim light. The graininess meant that though faces were visible, they were not very identifiable, kind of generic-looking. A better dim-light or night-vision camera for security and monitoring, will have less of a grainy look in its dim-light or night-vision capability.