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.
Although most new homes have ducts and vents already in place, many older homes have old convection heating systems or baseboard heaters without ductwork. In such cases, you will need to install ducts and vents to provide the air conditioning with a flow system. This would be the time to explore upgrading the existing heating system as well, as it will be much cheaper to do together.

I guess I should present my credentials first, I am a 30 year veteran of the heating and cooling industry. I started at the bottom and have participated in every area of the trade. Installer, service, maint. Ownership, rep, territory manager and so on. A forced air duct system is a large vacume. Like your vacume it has an air intake (return air) and an exhaust (supply registers). A filter just like a vacume (located next to furnace or air handler). Now I want you to visualize something. Put your head inside your vacume cleaner and breath. Get the picture? This is what your duct work looks like. Do you clean your vacume when it’s dirty? If it’s full and the filter is dirty you lose performance and it starts poluting the air you breathe. It’s common sense. I recommend hiring a duct cleaning outfit that you have researched to be honest, background checked, drug tested, insured, and highly recommended by your piers in the area. The service is a necessity, but like everything, it should be done by a qualified company.
There are many interesting comments from several informed individuals. The question that has not been answered is how do duct systems get dusty and dirty? As a RESNET Home Energy Rater, I perform pressure tests on homes and duct systems, and the one common thread is . . . most air delivery sytems have large amounts of air leakage. The solution is to seal the duct system, and pay particular attention to the return duct system and ductwork near the air handler (the 'blower'). As others have said, a captive (sealed) duct system with proper filter maintenance should be more then adequate for most occupants. For those who have allergy, asthma, or other breathing problems, a filter with a higher MERV rating (number should be listed on the package) or a HEPA filter are good choices. These filters will capture smaller particulates and should improve the indoor air quality. Again, make certain that the entire duct system is sealed, preferably with mastic, second choice UL-181 foil tape - never use cloth duct (also known as duck) tape.
All these pro duct cleaners answer with "it's common sense, everything operates better when cleaner" etc. But your explanation is correct. Especially so with flex tube ducting where dust gets "stuck" between the lowest valleys (between wire coil supports) where air flow is drastically reduced -- which is more than 50 pct of the entire interior surface area of the flex ducting. That sounds like a bad thing but also has a good effect of trapping dust from escaping.
Manufacturers of products marketed to coat and encapsulate duct surfaces claim that these sealants prevent dust and dirt particles inside air ducts from being released into the air. As with biocides, a sealant is often applied by spraying it into the operating duct system. Laboratory tests indicate that materials introduced in this manner tend not to completely coat the duct surface. Application of sealants may also affect the acoustical (noise) and fire retarding characteristics of fiber glass lined or constructed ducts and may invalidate the manufacturer's warranty.
"OTHER THAN A SMALL SCHEDULING HICK-UP THEIR SERVICE WAS EXCELLENT. JOSH THE TECHNICIAN THAT PREFORMED THE DIAGNOSTICS AND REPAIR WAS EXTREMLEY PROFESIONAL AND FRIENDLY â ¦ HE WAS ABLE TO FIND THE PROBLEM WHICH WAS VERY DIFFICULT TO FIND AND FIX THE PROBLEM. I WISH THAT ALL HOME SERVICE PEOPLE WERE AS GOOD AS HE WAS. I WOULD HIRE AGAIN...JOB WELL DONE !!!"
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