I was with you until you said avoid steaming cleaning or moisture, there is no way you can remove mold or any other type of biological without moisture. The best way to do this is in fact with a steamer using a commercial disinfectant and a non reactive odor remover so your home smells refreshed and not like a hospital . This is directly contradictory to your article.
All modern air conditioning systems, even small window package units, are equipped with internal air filters. These are generally of a lightweight gauze-like material, and must be replaced or washed as conditions warrant. For example, a building in a high dust environment, or a home with furry pets, will need to have the filters changed more often than buildings without these dirt loads. Failure to replace these filters as needed will contribute to a lower heat exchange rate, resulting in wasted energy, shortened equipment life, and higher energy bills; low air flow can result in iced-over evaporator coils, which can completely stop air flow. Additionally, very dirty or plugged filters can cause overheating during a heating cycle, and can result in damage to the system or even fire.
Had duct cleaned (apartment) however, dust is still settling throughout the apartment. Contractor said no other cleaning necessary until two (2) years. Is there a time period before dust no longer settles prior to that time? Should the vendor had worn a mask? He did not cover his face the vents and dust was blown throughout the apartment (had family help with the cleanup). I had to leave when they left because I have asthma and I couldn’t breathe without coughing. Please help!
As I type this, I am having my ducts cleaned. About 30 including returns and the furnace. $543.00. I am watching the team do it and can see the clear vacuuming tubing and how dirty it has become. I like the gentleman’s comment on “stick your head in your vacuum and breath”….I get it. The team showed me the machine and it’s filtration system…and they will show me it again after the cleaning. However, like I said before, I am actively seeing the tubing that is clear before they start and how dirty it is once they begin and continue cleaning. Reputable company and not a “fly by night” coupon service. People don’t be so cheap, that is your problem.
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.
Natural ventilation is a key factor in reducing the spread of airborne illnesses such as tuberculosis, the common cold, influenza and meningitis. Opening doors, windows, and using ceiling fans are all ways to maximize natural ventilation and reduce the risk of airborne contagion. Natural ventilation requires little maintenance and is inexpensive.[19]
Be careful with HVAC change-outs.  Change-outs are only about 15-20% of the HVAC installation industry. Decrease HVAC installation cost by investing in new ductwork now if needed. Your ducts wear out too, and make sure that your ducts are in fantastic shape if you do this. Many contractors push this because it’s easy and cheap for them, with good pay-off. Do your research and replace them if you need to in order to avoid doing it later, as well as avoid potential health hazards from using old, broken ductwork.
Indoor Coil -- The indoor coil is a heat transfer device. It absorbs the heat from the inside of the house and passes it on to the refrigerant and is pumped outside. Dust that builds up on the coil can hamper its ability to absorb heat. High heat transference coils use very thin metal. Airborne chemicals can cause corrosion which leads to leaks. The constant vibration of the compressor can also cause solder joints to weaken and leak. An indoor coil may operate for weeks with a tiny leak, and you may not notice the loss in performance right away. As soon as a leak is made known, it should be replaced or repaired immediately.
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.
I have been a plumbing/gas/hvac tech for 19 years, before that I installed ductwork in commercial buildings and office towers. As the article states, unless you have undergone some type of extensive reno, or ducts have become contaminated, paying for cleaning is pointless. Its one thing if you have a 30 year old home that has never had a duct cleaning and you can actually see mounds of dust built up , especially in the return side, then go for it. Keep in mind that most duct cleaning companies will only get 80% of the dust , or less at best. Keep in mind that most of the dust in your home is lint from clothes and linens, and skin cells from you and your pets and is constantly being generated. Dust that builds up in ductwork , generally stays in the ductwork. The power of suggestion, scare tactics, up sell!!!

I spent a lot of time reading all these posts and frankly I can’t believe the way some people think. 1. If there is dust and dirt of any kind in my HVAC system I want it out, the mentality that it can stay there and it’s fine is fulish as the system turns on and off microscopic particulates will move in and out of your living space and you will definitely breath them in. The air quality of your home or office will only be as clean as the system that produces it. We don’t not clean things simply because we can’t see them, it’s what we can’t see that can do the most harm. Dust will build up in a system fairly quickly and will get damp at times allowing mold to grow and mold releases spores without any movement as part of its defense meconisam so don’t tell me that when your system turns on it won’t blow the spores out into the living spaces of your home. A build up of dust will cause failures to your system over time, equipment that works harder to do its job will run hotter with more strain and this will lead to brake downs and until then the system will run less efficient then it should. The system was engineered to move a certain volume of air through a specific duct size, when that duct size starts to become narowed down with dust build up your system has to work harder to move that air this is why you will end up with a loss of efficiency and eventually breakdowns or failures. I have seen systems develop a significant amount of dust build up in as little as two years, just look at how fast the filter gets clogged up and it isn’t all that hard to believe. As for all the scams that are out there they hurt the industry because people can’t decipher between them and the legitimate companies, BBB is helpful. Recommendations from HVAC contractors will be a good resource and a good company will provide a written estimate with a complete brake down of what they are going to do and why, most of which is comen sence once they explain it to you, then if you spend about 5 minutes watching them once they are set up you can see they are doing what they said they would do and let’s get real would you do a job that should take approx 3 hours per system for $29/$39/59 or something close to that, if you think you are going to get a good job from a comp that has to make money at that price you shouldn’t be mad at anyone but your self for trying to get quality work at a scam price. If it’s done right it will be very beneficial and depending on the size of your system and where you are in the world it’s going to cost you approx $300 to $600 per system large and or older systems may cost even more. Remember a quality job isn’t wasting money but a lousy job is, even if it’s only $29. I’d rather spend $600 on a quality job then $29 on a lousy job!! Good luck..
Equipment used to clean ducts varies widely. The cheaper the equipment used the more you are just wasting money. This is why it's typically not worth doing. In some situations it may be beneficial, but only after determining and investigating the duct system. This should be done by a licensed HVAC contractor and not a duct cleaner that typically do not hold and HVAC license. (Duct cleaners aren't required to be licensed in HVAC in many areas.)

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. 
I believe a $3 [sic] pleated cotton filter is all that is ever needed to keep a system running top notch. A cleaning of the blower squirrel cage and of the evaporator [indoor] coil may be needed one time if fiberglass or no filters have been previously used. The return air grille [or grilles] need vacuumed off occasionally, as they are upstream from the filter. The $3 filter should be changed every 3 months [rule of thumb]....and most of them have a little white square on the cardboard frame to write install date.....and the arrow should point into the duct [if at filter grille]....or towards the furnace [if in ductwork slot]...or towards the blower [if in blower compartment]. My two cents.....

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.
Knowing what you should be paying for your HVAC equipment and installation is essential to getting a fair deal. Most HVAC prices aren’t advertised. Contractor strategy is to get a salesperson into your home to sell you on a package of equipment, accessories and installation. This makes comparing systems difficult, and some sales pressure might be applied.
To qualify for a tax credit from the federal government, you must save the manufacturer's certificate from your system. The IRS won't require the certificate at the time you file your federal tax forms, but they recommend keeping it with your records in case of an audit. It proves that you purchased a qualifying product. The government offers tax credits for:

A thorough visual inspection is the best way to verify the cleanliness of your heating and cooling system. Some service providers use remote photography to document conditions inside ducts. All portions of the system should be visibly clean; you should not be able to detect any debris with the naked eye. Show the Post-Cleaning Consumer Checklist to the service provider before the work begins. After completing the job, ask the service provider to show you each component of your system to verify that the job was performed satisfactorily.
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.
Furnace Circuit Board -- The furnace circuit board controls a variety of functions. It not only handles the regular operation of the furnace, it also monitors the furnace's various safety circuits. Over time, vibrations from the furnace can weaken solder point and cause them to separate. Dirt and debris can cause short-circuits that damage the board. Failure of the circuit board can cause a variety of effects ranging from the fan not turning on to the complete shutdown of the furnace.
On the other hand, if a service provider fails to follow proper duct cleaning procedures, duct cleaning can cause indoor air problems. For example, an inadequate vacuum collection system can release more dust, dirt and other contaminants than if you had left the ducts alone. A careless or inadequately trained service provider can damage your ducts or heating and cooling system, possibly increasing your heating and air conditioning costs or forcing you to undertake difficult and costly repairs or replacements.
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