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.
After one company just took a cursory glance at our A/C and found nothing wrong, I called HVAC. I called them mostly based on Michael W's post on 8/10/14 where he told us the owner, Alberto, took his feedback and took it SERIOUSLY. That speaks VOLUMES to anyone who has been around long enough to know the characteristics of the serious players are and those who are the wannabes.
What if you move into a 20 year old house and find that the people who owned it previously NEVER replaced the filter? It was so dirty that the HVAC system did not work at all. For most people - duct cleaning is NOT a waste of time or money. You must not have allergies. I have very bad ones plus asthma. It makes it very hard for me if I don't get it done every few years. By the way - the ducts get dusty just sitting there - especially without air going through them. Dust settles on them just like it does the furniture.
You and your family spend hours sitting on your favorite chairs, couches and sectionals. Over time, dander and body oil become trapped in the upholstery, but with regular cleanings you can keep these delicate fabrics looking, feeling and smelling great. We examine your furniture and select the best process to safely clean and protect any kind of upholstery, including leather. 
Unfortunately, manufacturers and contractors don’t publish this information…it’s a secret. Why? Who knows…but we have access to a full contractor pricing database of 1,000’s of different units in our online HVAC installation cost calculator, so let’s choose one for our example calculation. We’ll go with Carrier equipment, since our readers always bother us about them (despite us telling them that they are overpriced):

The HVAC installation costs below are based on residential installations only, and are priced for a single unit. Two units should be about twice the price. “Tim, shouldn’t there be a discount?” If people start giving you discounts, they are probably charging you too much to begin with.  That’s our philosophy anyway. Twice the parts and time should be twice the price from a fair contractor. The prices listed include component parts (with warranty), labor, and all materials for a complete HVAC installation.
Heaters are appliances whose purpose is to generate heat (i.e. warmth) for the building. This can be done via central heating. Such a system contains a boiler, furnace, or heat pump to heat water, steam, or air in a central location such as a furnace room in a home, or a mechanical room in a large building. The heat can be transferred by convection, conduction, or radiation.
Pro HVAC company Southern Comfort Mechanical says on its blog, “If there’s mold growth inside the handler due to excess moisture, algae in the condenser drain line or a dirty evaporator coil, it can negatively impact your AC unit’s efficiency. The filters inside may also build up excess dirt and become clogged, which will also make your AC [or heat pump] waste energy trying to sustain the cool climate inside your home.” These issues are easy to solve. They don’t require replacing the air handler.

All of you have dentists, you have doctors, you have preachers, you have mechanics. You don’t have to know everything about everything but you have to have people in your life that you can trust. Don’t just open up the phone book and pick a mechanical (HVAC) contractor. Call your friends and family and ask for referrals. There are no black and white (scam or not a scam) answers here.
If you believe that the AC's not working or you're getting little or no cold air, check these three things first. Make sure all the registers in the house are wide open. Then be sure the furnace filter is clean. Then go outside and clean off the condenser coils (Photo 2). If several registers were closed or the filter was clogged, the reduced airflow could have caused the evaporator coil to ice up and stop cooling your home. If you've changed the filter and opened all the registers and you're still not getting airflow at the registers, deice the A-coil. Move the thermostat mode switch from “Cooling” to “Off” and move the fan switch from “Auto” to “On.” Let the blower run for at least 30 minutes or until there's good airflow at the registers. Then turn the AC back on to test it. If it works for the next 12 hours, you've solved the problem.
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