There are multiple reasons to replace your HVAC system. If you have built additions onto your house, you may find your old system no longer meets the requirements for the new dimensions. Perhaps a new technological breakthrough has provided features that will improve your comfort and air quality. Most often, however, you need to replace your system because it no longer works properly.
Heating, ventilation, and air conditioning (HVAC) systems have been shown to act as a collection source for a variety of contaminants that have the potential to affect health, such as mold, fungi, bacteria, and very small particles of dust. The removal of such contaminants from the HVAC system and home should be considered as one component in an overall plan to improve indoor air quality.
Demonstrate visible evidence of microbial growth in your duct work. Some service providers may attempt to convince you that your air ducts are contaminated by demonstrating that the microorganisms found in your home grow on a settling plate (i.e., petri dish). This is inappropriate. Some microorganisms are always present in the air, and some growth on a settling plate is normal. As noted earlier, only an expert can positively identify a substance as biological growth and lab analysis may be required for final confirmation. Other testing methods are not reliable.
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.
Cost Factors: The size of the unit, its efficiency and it’s single-stage, two-stage or variable-capacity are the top cost factors. Features like communicating technology and improved dehumidification performance also affect the price. Learn more about communicating technology here including the pros and cons, before being agreeing to a communicating system.
I agree that good filtration and a sealed system will prevent the need for duct cleaning. However, when we do get called it is because the duct work has reached a noticeable state of restriction or dust or the homeowner is hyper-sensitive to these pollutants in their home. Most of the time we find that no filter or a cheap (99 cent) filter is being used or they have serious duct leaks in the system. If you are hiring a cleaner make sure they are using professional cleaning equipment which will consist of a rotating brush system and a vacuum source. Be highly skeptical of the contractor with no branded system or the guy who shows up with just chimney brushes and a shop vac. He will not be able to reach around all the corners or all the runs in your system and he will be taking your money for a superficial cleaning at best. Only trust a company that offers VIDEO inspection and more importantly.... a contractor who repairs, installs and seals ducts if a problem is discovered or heaven forbid, created. Good luck and get your ducts sealed if you do have a leak! It is one of the greatest energy losses to a home other than being poorly insulated.

My father started in the business of home comfort back in 1968, an I around 1986. We still don't have a duct cleaning machine. I am sure there are always applications for all tools in this industry. However I missed where anyone talked about where dust even comes from..........We do not have these little dust machines sitting in a corner puffing out little clouds of dust....soooo where does it come from?

1). Busy companies: The company is so busy, it doesn’t need the work. It will add 70% to 100% profit, and if the customer accepts the estimate, it will move that high-margin customer to the front of the line. This often happens in the worst heat of summer when overburdened ACs and heat pumps quit and the dead of winter when furnaces give up. This is a good reason to consider pre-emptively replacing your system once it’s about 15 years old and/or has had major repairs.

Vinick calls air duct cleaning an essential part of home maintenance, akin to mopping and vacuuming. "It’s like changing the oil in your car,” he says. “If you don’t change the oil, you’re going to have a problem. When your components are loaded up with debris, the system has to work harder. When you remove that debris, you get energy consumption savings.”
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.