In the middle of summer—even more so in North America—AC repairs are undoubtedly the last thing you want to have to think about. But that won’t keep them from taking place. Fortunately, Service Experts Heating & Air Conditioning is dedicated to completing expert quality AC repair, maintenance and installation throughout the North America area. We certainly don’t want you to be stuck in an uncomfortable home during the hottest days of summer.
Most organizations concerned with duct cleaning, including EPA, NADCA, NAIMA and the Sheet Metal and Air Conditioning Contractors' National Association (SMACNA) do not currently recommend the routine use of sealants to encapsulate contaminants in any type of duct. Instances when the use of sealants to encapsulate the duct surfaces may be appropriate include the repair of damaged fiber glass insulation or when combating fire damage within ducts. Sealants should never be used on wet duct liner, to cover actively growing mold, or to cover debris in the ducts, and should only be applied after cleaning according to NADCA or other appropriate guidelines or standards.
My point is that the brand of equipment you choose is going to affect your HVAC installation cost greatly. People often call us for an air conditioning installation job and say, “I would like to install Carrier equipment.” Now, if you are a future client of ours, I’ll have to warn you – I can be a bit of a smart-ass. Why can’t work be fun? Besides…I was in the Navy for 11 years, what do you expect. 
As you can see, if we know what the contractor is actually paying for specific equipment, we know what their labor rates are, and we know what they bid the project for, then we can also use some basic algebra (or just let the program do it for us because we’re lazy) to figure out how much of a profit they are making off of us (you) at different bid prices:

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.
There is a lot of good, general information in the article. As with anything, the homeowner should do their due diligence in getting enough information to make an educated decision. Should duct-work be cleaned? YES! Does it need to be cleaned annually or even every second or third year? Not necessarily. It all depends on a bunch of variables. You're right that a well designed and balanced system will deliver the right amount of air flow, but sometimes conditions outside the home/business, make it a necessity to get the ducts cleaned. As for mold? NO filter is going to address a mold issue. If you have mold, you have a moisture issue that needs to be addressed. Also, in my 38 years of experience in the HVAC and sheet metal industries, washable filters are one of the reasons ducts need to be cleaned. They are no where near efficient in cleaning/filtering the air to the level that they should.
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