All these pro duct cleaners answer with "it's common sense, everything operates better when cleaner" etc. But your explanation is correct. Especially so with flex tube ducting where dust gets "stuck" between the lowest valleys (between wire coil supports) where air flow is drastically reduced -- which is more than 50 pct of the entire interior surface area of the flex ducting. That sounds like a bad thing but also has a good effect of trapping dust from escaping.
I called a company name “GREEN RHVAC” with their $29.00 one system air duck cleaning. When the guy came with a truck I asked him to tell me how much he will charge and he said that if he gave me price and I didn’t want the service then he would charge me $89 or he would tell me how much he charge me after he finished the work. I immoderately sense that I made mistake to call him to my house. To cut my lost I asked him to give me the price and it was $1600 for two systems house. I paid $100 to him for my lesson to learn and search online to find this site is very helpfully and I should do it before to call anyone for air duck cleaning.
Humidifiers/Dehumidifiers: Humidifiers add needed moisture to the air in winter and very dry climates. Dehumidifiers remove dampness any time of the year. Central air conditioners dehumidify too, but in very humid climates, you might want to remove humidity without also cooling the air. You have a good range of options for both of these HVAC accessories. Whole-house humidifiers cost $350 to $800 installed, while dehumidifiers are $1,250 to $2,000 or slightly more.
I even asked if this is something they don't do, as in services on a Saturday night.  I was told by the receptionist that they do and I would just be ok calling another company if they is not  part of their services. They again assured me someone WILL call me in 10 mins.  Well, unless their definition of 10 mins is never, then they got it wrong as I am still waiting to be called 5 days later.
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.

I’m really not convinced that duct cleaning is of any value. My roommate wanted the ducts cleaned so he called some company. My scam senses is already tingling. They came in with a big negative pressure fan. Did some blowing and sucking in different vents. Then they tried to upsell a full system cleaning. They wanted to pull the blower and clean the heat transfer box at $700 per heater unit. I have a big house so we have two units. They also tried to sell us some “custom” $250.00 Air Lifetime air filters. At that point I pulled the BS get the hell out bell. After paying $520.00 for just the cleaning, I paid the bill and sent them on their way. I replaced the existing filter with the good old and cheap paper filters at $10.00 each. Duct cleaning… I’m not Impressed.
 The A/C System Cleaning and restoration industry has become a very lucrative bait and switch industry that many Carpet cleaning companies, Maid services, as well as plumbing or handyman service companies are adding on to there services. These add-ons are not fully certified, trained or even have any experience in the HVAC industry. These companies are the reason prices and quality of work are all over the place. If you are looking to make a smart decision for your home a professional Duct Cleaning service will protect you for 5-7 years. This info comes from NADCA (National Air Duct Cleaning Association) which is the closest thing to a license we have for duct cleaning. They have a great site that explains this process and pricing much more in depth and factual than what has been written here. This organization is working very hard to get these bad companies exposed and out of this industry. So in saying that do your research! Green Duct Decontamination is a certified company with certified technicians that take this work very seriously. We can not have these low rated unprofessional companies paste a bad name for an entire industry. Stay away from anything under 250$ for a full duct clean this is not feasible, go look at NADCA.com and you will understand why and what these companies are doing to rob you of your dollar.
I call to follow up at the end of the next day and she said that she has not been able to get in touch with the owner.  By this time, I am starting to get frustrated because I am starting to get the run around.  I question her if I am even on the schedule or if they attempted to schedule a crane.  She says they are extremely busy and that she does not know.  So I say, basically I have waited over 2 weeks and you have not put me on the schedule and I am at the end of the install line.  No answer.  I tell her to talk to her boss and find out what is happening, and I will think about what direction I want to move in at this point.  
The fact is if they are dirty why not clean them. As for the Dr’s comment about if it is not disrupted it is fine. As a pet owner sometimes un disrupted pet hair will sit in the corner of a room or under a counter un disrupted but I still clean it when I notice it. Just because you cant see it doesn’t mean you should leave it there to collect more and more. The people that don’t want there air ducts clean either simply cant afford it but would like it done. OR! the crowd that are to cheap.. You should Clean all portions of your house.
A little simple math can help determine the size system you need. A rule of thumb is 20 BTUs per square foot. So, a 500 square foot room would need 10,000 BTUs to cool or warm it efficiently. This assumes that you live in a temperate region and have adequate insulation with no energy loss. In the real world, all units have some degree of energy loss. This is reflected in an HVAC system's SEER rating for cooling and AFUE rating for heating.
When these aren't properly maintained and sanitized, they can build up dust, pollen, and even mold. This means when the air conditioner or heater turns on, the spores are released into the air for you to inhale. While some are less harmful, people who have allergies or sensitivity to certain spores will react negatively. Plus, mold is dangerous for anyone to ingest and should be avoided by regular maintenance.
The liquid refrigerant is returned to another heat exchanger where it is allowed to evaporate, hence the heat exchanger is often called an evaporating coil or evaporator. As the liquid refrigerant evaporates it absorbs energy (heat) from the inside air, returns to the compressor, and repeats the cycle. In the process, heat is absorbed from indoors and transferred outdoors, resulting in cooling of the building.
All of you have dentists, you have doctors, you have preachers, you have mechanics. You don’t have to know everything about everything but you have to have people in your life that you can trust. Don’t just open up the phone book and pick a mechanical (HVAC) contractor. Call your friends and family and ask for referrals. There are no black and white (scam or not a scam) answers here.
What about ringworm? If the fungus is as contagious as doctors warn, and the spores can live several months, doesn’t it make sense to spray some sort of fungus killer into the HVAC system to kill the spores that it has sucked in from the air? Duct cleaning would not be helpful at all here; these spores are microscopic and it could actually spread them further. But given how severely contagious ringworm is, body and especially scalp, does anyone make an aerosol product that will clean the system and kill the fungus? One the resident can use, not call an HVAC company; you can’t do that when you are in an apartment. I hear it’s not the same as mold, it is much more difficult. Truth?
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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