Installing a split system may involve making modifications to the house itself for the necessary lines to be run. The heat exchangers are also more prone to picking up debris and must be cleaned on a regular basis. While they come with protective screens over the fan, care must still be taken to ensure that nothing gets in, especially in a home with children.
Ok what you said is true but in most cases ducts are in a duct flex format, and knowing that the dust in people's flex duct is just surface dust, any real debris that are in the duct itself will result in very little to no air flow which will keep your unit from performing properly, but if it is true allergy reasons then replacing your duct system is better for overall better air quality, plus if you do pay attention to the warranty on flexible duct is that it only has a 10 year warranty and typically only lasts for 20 years so do your research before having a duct cleaning, and to add one more thing if your duct work is completely metal and you can't see visible insulation then your duct on the inside has insulation inside of it, if you replace that with duct work that is clean metal on the inside and wrapped with insulation on the outside then it will further reduce the air bourne fiberglass and dust.

My best advice has always been that a proper duct cleaning is a valuable investment when moving into a home (new or old), after major renovations and if the ducts have never been cleaned before. It is unlikely that there will be increased air flow, as finding major blockage is unusual, but this will eliminate this as a possible concern if there are air flow concerns. It is also true that the "dust" that is cleared out will most likely never have been distributed through the house unless there has been some work done on the ducts. What is cleared out will be pet hair, toys, clothes, construction material, and biological material (small carcasses and/or feces). Once a proper cleaning is done a follow-up is rarely necessary, but up to the home owners discression.
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