I guess, I will start with saying that air duct cleaning is almost never needed. It is not a scam, but it is certainly something that uneducated homeowners get suckered into. In regards to air flow, a well balanced HVAC system should be able to deliver more than enough air flow. If you are not getting good air flow, it's because your system may be out of balance. Additionally, regular cleaning/changing of the air filters will solve about 95% of your problem. Though you would be surprised how many people either a. don't have a filter or b. don't know about it and leave it there for 10+years. a washable one should be cleaned every 6 months(spring and fall) and a disposable one should be replaced every 3-4 months.
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.
Whether or not central air adds value to your home depends on your location. You probably won't recoup the entire cost for the installation, as it is an expensive project that isn't as flashy as something like a new deck. But this invisible upgrade can help you sell your home if you live in a hot climate. And many buyers are willing to pay a bit more for a working AC.