When these aren't properly maintained and sanitized, they can build up dust, pollen, and even mold. This means when the air conditioner or heater turns on, the spores are released into the air for you to inhale. While some are less harmful, people who have allergies or sensitivity to certain spores will react negatively. Plus, mold is dangerous for anyone to ingest and should be avoided by regular maintenance.
There is a lot of good, general information in the article. As with anything, the homeowner should do their due diligence in getting enough information to make an educated decision. Should duct-work be cleaned? YES! Does it need to be cleaned annually or even every second or third year? Not necessarily. It all depends on a bunch of variables. You're right that a well designed and balanced system will deliver the right amount of air flow, but sometimes conditions outside the home/business, make it a necessity to get the ducts cleaned. As for mold? NO filter is going to address a mold issue. If you have mold, you have a moisture issue that needs to be addressed. Also, in my 38 years of experience in the HVAC and sheet metal industries, washable filters are one of the reasons ducts need to be cleaned. They are no where near efficient in cleaning/filtering the air to the level that they should.

A do-it-yourself approach will only scratch the surface because it is hard to reach some of the ventilation running underneath the floor or into the wall. Although it may help in clearing some of the dust and debris, you really need a professional to guarantee your system is truly spotless. The proper procedure involves the use of a powerful vacuum system with multi-brush attachments designed to loosen debris and feed into the suction. Particles are then blown outside of the house or passed through a HEPA filter inside.
I had my ducts somewhat cleaned December 22, 2014. The hose of the machine the technitian used did not fit in some of my vents, therefore, he did not clean them. But I still paid $428.00 for the service. I will be calling the company on Monday, and kindly ask them to come back and clean the ducts they did not as they did not fullfill their part of the service.
Be careful with HVAC change-outs.  Change-outs are only about 15-20% of the HVAC installation industry. Decrease HVAC installation cost by investing in new ductwork now if needed. Your ducts wear out too, and make sure that your ducts are in fantastic shape if you do this. Many contractors push this because it’s easy and cheap for them, with good pay-off. Do your research and replace them if you need to in order to avoid doing it later, as well as avoid potential health hazards from using old, broken ductwork.
The performance of vapor compression refrigeration cycles[26] is limited by thermodynamics. These air conditioning and heat pump devices move heat rather than convert it from one form to another, so thermal efficiencies do not appropriately describe the performance of these devices. The Coefficient-of-Performance (COP) measures performance, but this dimensionless measure has not been adopted. Instead, the Energy Efficiency Ratio (EER) has traditionally been used to characterize the performance of many HVAC systems. EER is the Energy Efficiency Ratio based on a 35 °C (95 °F) outdoor temperature. To more accurately describe the performance of air conditioning equipment over a typical cooling season a modified version of the EER, the Seasonal Energy Efficiency Ratio (SEER), or in Europe the ESEER, is used. SEER ratings are based on seasonal temperature averages instead of a constant 35 °C (95 °F) outdoor temperature. The current industry minimum SEER rating is 14 SEER.[27][dead link]

Central home air conditioner service systems consist of two major components: a condensing unit that sits outside your house, and the evaporator coil (often referred to as an A-coil) that sits in the plenum of your furnace or air handler. The refrigerant in the A-coil picks up the heat from your home and moves it to the outdoor condensing unit. The condensing unit fan blows outside air through the condensing coil to remove the heat. The condensing unit houses the three parts replaceable by a DIYer: the AC contactor, the start/run capacitor(s) and the condenser fan motor. The condensing unit also houses the compressor, but only a pro can replace that. The A-coil has no parts that can be serviced by a DIYer.