Some research suggests that cleaning heating and cooling system components (e.g., cooling coils, fans and heat exchangers) may improve the efficiency of your system, resulting in a longer operating life, as well as some energy and maintenance cost savings. However, little evidence exists that cleaning only the ducts will improve the efficiency of the system.
Outdoor Fan Motor -- The outdoor fan, also called the condenser fan, is exposed to external conditions. As such it is most prone to dust and debris and the extreme weather. In desert climates, the outdoor fan motor is subject to heat not only from normal operation but from the outside temperature as well. As it starts to fail, the fan may work fine in the cooler morning hours but stop by afternoon. This can shut down the entire system for hours. When they stop running completely, your air conditioner will no longer work. Running a faulty fan will lead to compressor failure, which is a very costly repair.
Do not hire duct cleaners who make sweeping claims about the health benefits of duct cleaning — such claims are unsubstantiated. Do not hire duct cleaners who recommend duct cleaning as a routine part of your heating and cooling system maintenance. You should also be wary of duct cleaners who claim to be certified by EPA. Note: EPA neither establishes duct cleaning standards nor certifies, endorses, or approves duct cleaning companies.
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.
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.
Many central air conditioning systems use the furnace blower to distribute cool air through the home. If you do not have a central heating system installed, it is cost-effective to install a heating and air conditioning system at the same time. If you already have central heat, you can use the existing fans and duct system for the central air system.
The cooling coils the air comes into contact with appear to need UV-C lights on them in humid climates. That's the biggest thing. If the ducts have never been cleaned, then getting that done goes without saying. But those coils need to be cleaned, disinfected, and then UV-C light(s) installed to prevent mold & bacteria build-up in the future on them. That appears to be chiefly responsible for the dirty laundry and/or sour milk smell coming from forced-air AC systems in humid regions.
Having evaporator and condenser coils cleaned could cost between $100 and $400. If your coils can be accessed in-place, you'll be looking at a lower service cost. If your technician needs to remove the them first, the cost should be around $400. Having the evaporator and condenser coils cleaned can have a significant impact on the efficiency of your system. If your coils are excessively dirty, they won't be able to do their job and your system will have to work harder. Keeping up with the hygiene of these components can save you money in both the short and long-term. For example, replacing evaporator coils can cost anywhere from $650 to $1200.

I even asked if this is something they don't do, as in services on a Saturday night.  I was told by the receptionist that they do and I would just be ok calling another company if they is not  part of their services. They again assured me someone WILL call me in 10 mins.  Well, unless their definition of 10 mins is never, then they got it wrong as I am still waiting to be called 5 days later.
The use of furnaces, space heaters, and boilers as a method of indoor heating could result in incomplete combustion and the emission of carbon monoxide, nitrogen oxides, formaldehyde, volatile organic compounds, and other combustion byproducts. Incomplete combustion occurs when there is insufficient oxygen; the inputs are fuels containing various contaminants and the outputs are harmful byproducts, most dangerously carbon monoxide, which is a tasteless and odorless gas with serious adverse health effects.[14]

Filtration systems -- A second-stage filter is sometimes inserted & used to remove particulates such as pets, smoking or cooking, as well as other odors, gases, and VOCs (volatile organic compounds). A HEPA filter is also available to remove spores, pollens, bacteria and lung-damaging particles. There are also systems that use ultraviolet (UV) light to protect against bacteria and germs.

Air duct cleaning service providers may tell you that they need to apply a chemical biocide to the inside of your ducts to kill bacteria (germs) and fungi (mold), and prevent future biological growth. Some duct cleaning service providers may propose to introduce ozone to kill biological contaminants. Ozone is a highly reactive gas that is regulated in the outside air as a lung irritant. However, there remains considerable controversy over the necessity and wisdom of introducing chemical biocides or ozone into the duct work.
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.