The most recognized standards for HVAC design are based on ASHRAE data. The most general of four volumes of the ASHRAE Handbook is Fundamentals; it includes heating and cooling calculations. Each volume of the ASHRAE Handbook is updated every four years. The design professional must consult ASHRAE data for the standards of design and care as the typical building codes provide little to no information on HVAC design practices; codes such as the UMC and IMC do include much detail on installation requirements, however. Other useful reference materials include items from SMACNA, ACGIH, and technical trade journals.
I just had my blower module replaced because my AC coil was frozen over. The underside of my coils had a thick mat of dust because I had never had it cleaned. I cleaned it myself by using a soft brush attachement on a shop vac. The inside of the blower appears to have a white/green growth, and I am sure the ductwork of my 30 year old house can’t be in good condition.
Fast forward 1 year and 1 week and the circuit board that HVAC Service had installed has failed again. They came out and said that it failed from water condensation dripping onto it, so we needed to replace it and reroute the pipes to prevent future water damage.  That would cost double what I paid last year.  Why didn't they fix the problem last year at the initial repair instead of putting in a circuit board that was bound to fail again?!? They were strongly recommending that the furnace be completely replace for a huge fee to avoid the same thing happening again.  I paid $59 for them to tell me they didn't fix it right last year. This didn't feel right, so I sought a second opinion.
Pro Tips: Before you buy one of the learning thermostats available, you should beware of their shortcomings. First, many require a c-wire to work properly. A common problem is that the old thermostat might not use a c-wire, and this makes it confusing when swapping wires to the new thermostat. Secondly, if you change your thermostat setting often, you might become frustrated with a nest thermostat or other learning thermostat. It will be constantly trying to learn patterns in your random setting changes, and will therefore change your home’s temperature when you don’t want it to. If you have a fairly consistent schedule or don’t mind overriding the unit either manually or via the app on your way home or when leaving, then you won’t experience this issue.

Ground source, or geothermal, heat pumps are similar to ordinary heat pumps, but instead of transferring heat to or from outside air, they rely on the stable, even temperature of the earth to provide heating and air conditioning. Many regions experience seasonal temperature extremes, which would require large-capacity heating and cooling equipment to heat or cool buildings. For example, a conventional heat pump system used to heat a building in Montana's −70 °F (−57 °C) low temperature or cool a building in the highest temperature ever recorded in the US—134 °F (57 °C) in Death Valley, California, in 1913 would require a large amount of energy due to the extreme difference between inside and outside air temperatures. A few feet below the earth's surface, however, the ground remains at a relatively constant temperature. Utilizing this large source of relatively moderate temperature earth, a heating or cooling system's capacity can often be significantly reduced. Although ground temperatures vary according to latitude, at 6 feet (1.8 m) underground, temperatures generally only range from 45 to 75 °F (7 to 24 °C).

Duct cleaning generally refers to the cleaning of various heating and cooling system components of forced air systems, including the supply and return air ducts and registers, grilles and diffusers, heat exchangers heating and cooling coils, condensate drain pans (drip pans), fan motor and fan housing, and the air handling unit housing (See diagram).
If you want to get some of the dust and debris out of your ventilation system, you can mix household cleaners like bleach with water, dip a cloth in the mix and then the wipe out the system. This will remove a layer of the spores, which could increase the quality of air a bit and help with the flow of air throughout the house until a pro can come out.
At the state level the rebates are still substantial. For example, switching to a zoned system can get you a $100 rebate from various A/C companies, and state rebates are also included. In Pennsylvania a high-efficiency air conditioner alone can get you up to $300, and a high-efficiency complete HVAC system can see up to $1000. Maryland's incentives get up to $1,250, with a $100 rebate on a tune up of an existing system.
Some of the research I have done suggests to have your ducts cleaned when you first purchase a new home to remove drywall dust. Maintain your system well and you shouldn't have to do it again until you want to sell. Those are the two times cleaning was suggested. So for peace of mind maybe it is a good idea to do it even if you buy a used home and then maybe every 5-10 years.

The answer to your question is most likely "Yes," but not defiitely. It depends on where the dust is coming from. Now, if your house is more than say, 12 years old then you likely do have leaks in your ducts that can let in insulation particles and dust from your attic. If this is the case then cleaning of the ducts-PROPER CLEANING, which like the article sas doess include EVERYTHING that the conditioned air passes through, such as your indoor evaporator coil and blower housing assembly-is definitely a good first step to getting that dust under control! Of course I highly recommend that you also have your ducts SEALED as well, or else you will have to repeat the cleaning some time down the line. As a 3rd step, consider an electronic air filter. I always thought they were a scam, personally, so I never bothered selling them to my clients. Then one day my manager sent me to install one for a senior couple in a mobile home. The wife had bad allergies, and her eyes were constantly watering and puffy and red. Well, I did a quality check 60 days later and she could not stop praising that air filter! Keep in mind that in a mobile home, duct seals are not as complete as those in other homes due to access issues.
Air duct cleaning service providers may tell you that they need to apply chemical biocide to the inside of your ducts as a means to kill bacteria (germs) and fungi (mold) and prevent future biological growth. They may also propose the application of a "sealant" to prevent dust and dirt particles from being released into the air or to seal air leaks. You should fully understand the pros and cons of permitting application of chemical biocides or sealants. While the targeted use of chemical biocides and sealants may be appropriate under specific circumstances, research has not demonstrated their effectiveness in duct cleaning or their potential adverse health effects. No chemical biocides are currently registered by EPA for use in internally-insulated air duct systems (see Should chemical biocides be applied to the inside of air ducts?).