My best advice has always been that a proper duct cleaning is a valuable investment when moving into a home (new or old), after major renovations and if the ducts have never been cleaned before. It is unlikely that there will be increased air flow, as finding major blockage is unusual, but this will eliminate this as a possible concern if there are air flow concerns. It is also true that the "dust" that is cleared out will most likely never have been distributed through the house unless there has been some work done on the ducts. What is cleared out will be pet hair, toys, clothes, construction material, and biological material (small carcasses and/or feces). Once a proper cleaning is done a follow-up is rarely necessary, but up to the home owners discression.
You can install the greatest HVAC system ever built, but if your house is not insulated well, it's only going to end up costing you more money. Older homes may have fiberglass insulation that has broken down due to pests, moisture, or improper installation. Spray foam insulation can be damaged by careless repair or modification work or can be improperly installed. If your insulation in compromised, your attempts to save money and be comfortable will be in vain.
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