Deciding if central air is worth the cost depends on your needs and local housing market. If you live in a hotter climate, it can definitely be worth the price. Not only can it keep your home at a comfortable temperature, but air conditioning can even save lives during extreme heat waves. But in a milder zone without severe temperatures, window units, fans or the breeze from an open window could be adequate.
I was with you until you said avoid steaming cleaning or moisture, there is no way you can remove mold or any other type of biological without moisture. The best way to do this is in fact with a steamer using a commercial disinfectant and a non reactive odor remover so your home smells refreshed and not like a hospital . This is directly contradictory to your article.
I am NADCA Certified Air Systems Cleaning Specialist. Over the year I have learned on simple answer to this questions: there air duct cleaners and there are pretenders. There will be no benefit at all if you use on the very cheap pretender because they will not really clean anything. On the other hand if you call a qualified air duct cleaner with a NADCA Certification you will, like 99% of my customers, report improvement with your respiratory problems, you will see less dust and the job will pay for itself with energy savings and repair prevention.
In addition, the service provider may propose applying chemical biocides, designed to kill microbiological contaminants, to the inside of the duct work and to other system components. Some service providers may also suggest applying chemical treatments (sealants or other encapsulants) to encapsulate or cover the inside surfaces of the air ducts and equipment housings because they believe it will control mold growth or prevent the release of dirt particles or fibers from ducts. These practices have yet to be fully researched and you should be fully informed before deciding to permit the use of biocides or chemical treatments in your air ducts. They should only be applied, if at all, after the system has been properly cleaned of all visible dust or debris.

I was able to get a next day appointment with them last week after multiple other providers did not have availability. The tech was on time and did a good job to diagnose and eventually replace the circuit board and get it up running again. The service itself would be 5 stars, although it did take a week to complete the job due to ordering the part.
in response to this reply " should your ducts be cleaned", i have to politely correct the person who answered this. you are not using common sense. first, most of the country uses metal duct work, so for you to say what you did, is wrong. second, the duct system in a house is a circulatory system. that means it draws air into the furnace, it gets filtered, and then it is blown out into the house to heat or cool. So, obviously that air is being brought into the house from somewhere right? Yes, its coming from the outside where there are many allergens and dust particles . For you to says that about whether a duct system is sealed or not, makes no difference. The air is coming from somewhere right? It has to originate from somewhere right? Just look on top of your cieling fan. If there is a bunch of dust up there, then there is obviously a bunch in your ducts. And the duct air is being circulated every day, and every hour through your house. Its simple, dust collects everywhere in your house. Imagine if you never dusted your shelves, or tv? There would be a ton of dust after a while. Well, now think about the air in the duct system. Of course theres gonna be a ton of dust in there. For you to say that it is not benififcial to clean the ducts, is plain ignorant. 90% of the air we breathe is in our household. Wouldnt you want that air to be as dust and allergen free? I could go on for hours about the benifits of duct cleaning, but i just wanted to make a quick point that the person whose says it is not benificial to clean them, is not using common sense. Not to mention, giving the people who clean ducts for a living, a bad name. Use your head .
Duct cleaning generally refers to the cleaning of various heating and cooling system components of forced air systems, including the supply and return air ducts and registers, grilles and diffusers, heat exchangers heating and cooling coils, condensate drain pans (drip pans), fan motor and fan housing, and the air handling unit housing (See diagram).
If no one in your household suffers from allergies or unexplained symptoms or illnesses and if, after a visual inspection of the inside of the ducts, you see no indication that your air ducts are contaminated with large deposits of dust or mold (no musty odor or visible mold growth), having your air ducts cleaned is probably unnecessary. It is normal for the return registers to get dusty as dust-laden air is pulled through the grate. This does not indicate that your air ducts are contaminated with heavy deposits of dust or debris; the registers can be easily vacuumed or removed and cleaned.
If your non metal ductwork is that dirty you should just have it replaced AND sealed. Also most duct systems are not very well designed. Look for proper sizing and do not go cheap with one or two intakes (return grills) You need them through-out the house. Here in Austin the duct cleaners are carpet cleaners and chimney swifts. (this is who the duct cleaning equipment mfgs call on when the hvac people do not get on board. They DO clean other types of ductwork and we (the hvac guys) have to fix them. I am not aware of any of these non hvac guys cleaning and servicing the actual equipment. Here in Texas it is against the law for them to do so. Treat the entire house as a system, not just the ductwork and /or hvac equipment. Home performance really does work to increase comfort and air quality while reducing operating costs.

What you might not know is that the brand you choose is one of the most important factors in determining a fair HVAC installation cost. So, before delving in-depth, let’s take a quick look at the average prices of a new air conditioner and matching coil by brand…keep in mind, these are the average prices (by brand) that contractors pay for your AC equipment, and it is meant to give you a rough guideline until you are closer to buying:

When central air conditioning service fails during a heat spell, you may have to wait days for an HVAC repair technician or an ac contractor to show up, and you'll probably pay at least several hundred for the repair. But if you're comfortable working around electricity and are willing to spend about $50 on parts, you can probably repair your air conditioning service yourself in about two hours and save about $225 on parts markup and labor.