This company deserves more than five stars. They didn't just replace my heater and air conditioner, they built me a new system for my house. Going above and beyond is a understatement. Steve's staff were 2 of the nicest workers I've come across in a long time. Friendly, knowledgeable, and very clean. Truly a top rated company. Thanks Steve.   Great job.
An energy recovery ventilator: This component helps improve the air inside your home by swapping it out with fresh air from the outside. During the winter months when houses are closed up to keep out the cold, the air inside becomes a handy way for colds and flu to infect an entire family. By circulating outside air inside, the health of your family will have a better chance.
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.
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.

Your HVAC unit and air ducts deliver heated or cooled air throughout your home year-in and year-out. The air your HVAC unit produces travels through your ductwork and heats or cools your home via the air vents in each room. The dust and other particles in your home’s air are known as particulate matter, which the EPA defines as "a complex mixture of extremely small particles and liquid droplets." The EPA also notes that "particle pollution is made up of a number of components, including acids (such as nitrates and sulfates), organic chemicals, metals, and soil or dust particles." Having clean air ducts means fewer of these particles moving through your home. If you remove your furnace filter and hold it up to the light, you can probably see several hundred of these minuscule particles floating in the air. 
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. 
In some older homes, there was a grey Mylar flexible duct. After years of use, it started to decompose. A duct cleaning company can come out and find why your air is so dirty and why your building doesn’t heat or cool like it used to. This is a savings on your part. You could also be sucking in Hot, dirty attic air. However, sometimes when a duct cleaning company comes out to clean it, the old duct can be destroyed and have to be replaced. Someone with little experience can replace this ductwork but if it isn’t done right it can ruin a lot of things and cost a lot in repairs.
In addition, the service provider may propose applying chemical biocides, designed to kill microbiological contaminants, to the inside of the duct work and to other system components. Some service providers may also suggest applying chemical treatments (sealants or other encapsulants) to encapsulate or cover the inside surfaces of the air ducts and equipment housings because they believe it will control mold growth or prevent the release of dirt particles or fibers from ducts. These practices have yet to be fully researched and you should be fully informed before deciding to permit the use of biocides or chemical treatments in your air ducts. They should only be applied, if at all, after the system has been properly cleaned of all visible dust or debris.
First of all, I think it is great that there are many companies out there who look out for the customer and protect their interest. Secondly, I think it is also important that customers consider having their HVAC systems checked thoroughly before moving into a new home. I have heard a couple of horror stories where previous owners have not had the best housekeeping skills. Even when the appearance of the home seems it has been well kept, keep in mind that surface clean only goes so far. You can never tell what lies underneath.
He proceeded to clean each heat register by removing the grille and blasting it with an air pressure hose toward the duct opening thinking that the dust would magically be sucked inside. In one room this caused a ceiling smoke detector to go off because the excess dust fooled it into thinking there was smoke. I put my hand in front of a register he wasn’t working on and could hardly feel a suction. Although we discussed how I open and close damper doors, I realized later that he never checked, opened or adjusted them during the cleaning. He could have closed all but the one he was working on in order to increase suction results. His next step was to blast air into the duct and then attach a “squid-like” device that slapped around inside the duct as far as he could reach. This is important! In a newer house, ducts have long straight runs from the furnace. In older houses like mine they can turn and twist. In fact, the duct we have a problem with runs straight up from the basement inside a wall and turns 90 degrees into a soffit for three feet then into two 90 degree turns to get into the floor joist area for another two feet and finally a 90 degree turn up to the second floor register. When he cleaned this one he could only get three feet into the register with the hose or squid because of the turns. That was the case with most. Hardly what could be described as a decent cleaning.
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.
The bottom line is: no one knows. There are examples of ducts that have become badly contaminated with a variety of materials that may pose risks to your health. The duct system can serve as a means to distribute these contaminants throughout a home. In these cases, duct cleaning may make sense. However, a light amount of household dust in your air ducts is normal. Duct cleaning is not considered to be a necessary part of yearly maintenance of your heating and cooling system, which consists of regular cleaning of drain pans and heating and cooling coils, regular filter changes and yearly inspections of heating equipment. Research continues in an effort to evaluate the potential benefits of air duct cleaning.
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.
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