I to had an odd layer of white'ish dust building up especially during seasonal periods when the HVAC ran a a lot. I carefully swept up the fine dust into a small pile and had it analyzed. Turns out it was very fine fiberglass powder dust. It turns out it is the insulation form the attic! (My attic has blown in insulation). Turns out if you (I) had small gaps around my HVAC registers in the ceiling whee the airs blows into the room. What occurred in my case was that the exiting air at that seam creates a vacuum effect at the grate vent cover and draws and then blows fine insulation dust from the attic into the house. Removing each register grate and sealing each tin outlet gap with calking between the dry wall ceiling and tin fixed the issue. A couple were so bad with bowed gaps I had to screw down the bowed tin to the attaching stud better. Checking the very same glass top desk that catches and shows any dust accumulation now shows only very small amounts of normal house dust build up over several weeks. A big, big improvement. You might have a look by simply removing a couple vent covers yourself.
I have worked cleaning HVAC in my area for almost 5 years. I always do a thorough inspection and cleaning, providing before and after photos. I have completed some jobs where I felt that it was not entirely necessary, but ultimately what the customer wanted. With that being said, I have endless photos of unspeakable horrors. Hotels are usually nasty, post construction mess is certain, pets and kids create lots off debris, bugs congregate and die, then spiders set up and die, I have even had one supply that was nearly plugged with sand!
In most modern homes with up-to-date heating and air conditioning systems, filters are changed regularly through the year, so you may not even need to hire a professional. However, keep your eyes open for the accumulation of dust, dirt, dander and mold. If you see it despite regularly changing your filters it could be an indication you need a high-pressure cleaning.

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