I live in a 1950's ranch house in the South. The prior owners were smokers. Based on recommendations from one of the local conservation organizations, I decided to have a home energy audit done. As part of their findings, they recommended additional insulation in the attic and duct cleaning and sealing. This turned out to be a very problematic process. In terms of the ducts, it was necessary to remove the metal grates. However, these grates had been painted over many times and shoe molding covered the bottom of the grates. The vendor was not able to remove the grates without damaging them in the process. Because these grates dated back to the 1950's, it was difficult to find appropriate replacements. The ones I finally discovered were correct except they were 1/4" wider. This meant that the shoe molding had to be carved out. The duct cleaner could not provide any assistance with this problem. It took me a month of long evenings replacing the vent covers myself, carefully chiseling out the shoe molding and repainting. In terms of the extra installation in the attic, the same vendor used blow in insulation. Unfortunately, they did not recognize that the 13 floodlights whose mounting extended into the attic were not designed to be buried under insulation. The problem manifested itself in terms of expensive flood light bulbs failing continually. So, I had to have all of the light housings replaced. Yet another unexpected expense. Despite the expense, pain and suffering, I cannot report any improvement in my heating costs or the "quality" of the air. To be fair, I do not have any allergies and did not undertake this for air quality improvements but rather heating efficiency improvements.
I can't believe the number of people saying a good properly installed central heating system never needs to be cleaned. Maybe they live in hermetically sealed cells? One look into a cold air return and you can see that it definitely needs periodic cleaning. The air in the house "always" has some dust in it and that's where it ends up. We just had ours cleaned and I saw what came out of it, disgusting. But always ask if they use the "air whip" to sweep/beat the inside of the metal duct. If not, don't bother. These folks used a little whip on the end of a pressure hose and swept the entire length of all the ducts. I have lighted bore scope that allowed me to see into the duct after he was done and it was spic and span. But do change your filters often, 2 or 3 times a year.
Brands like American Standard, Trane and Lennox cost the most. Goodman is the cheapest. The rest populate the middle of the spectrum. Here’s something to know: The quality among brands isn’t as great as price differences. The difference in prices reflect that some customers want “bargain” equipment to save cost and others want “premium” equipment they believe will run longer with less trouble. Therefore, each manufacturer has priced to meet consumer perception.
HVAC services is our go to contractor when it comes to our HVAC needs. Back in 2013, we were dealt some unforeseeable home projects, as our  HVAC was failing and needed to replace the whole system, e.g. Furnace, Blower, A/C, Condenser, Vents, etc... We reached out to a few HVAC companies (Contra Costa Heating and Air, EP builders, High Performance Heating and Air) so we could compare the bids for the job. We have had some issues with past contractors and after thoroughly screening a few of the above mentioned HVAC contractors, we awarded the bid to HVAC services because of their superior customer service and very reasonable pricing.

A small number of products are currently registered by EPA specifically for use on the inside of bare sheet metal air ducts. A number of products are also registered for use as sanitizers on hard surfaces, which could include the interior of bare sheet metal ducts. While many such products may be used legally inside of unlined ducts if all label directions are followed, some of the directions on the label may be inappropriate for use in ducts. For example, if the directions indicate "rinse with water", the added moisture could stimulate mold growth.
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.
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