Well, I had the cleaning done. The handler is definitely much quieter. It was explained to me that with the coils clean, the condensation will be able to sweat off instead of sticking to the dust and dirt, therefore the humidity (lots of humidity in florida) will be removed better. I feel as if it was worth it, but, I will definitely change that filter every 3 weeks or so from now on. I don’t want to pay that cost again.
1. Ducts need cleaning mostly because they were not installed properly. There should be regulatory inpection and approval of clean and proper duct works on new houses. I was extremely unpset when I looked and found significant amounts of construction dust in parts of the ducts in my new house. There is apparently no way to hold the bullder to be responsible for clean ducts.

A Full Installation is the most common type of HVAC installation for a reputable contractor. The ductwork adds two days of labor and about $2,000 to $3,000 to the price, but realize that this is a very important part of your HVAC system. Although it might sound like a good idea to reduce HVAC installation cost and get a quick change-out, realize that there is dirt and debris collecting in your ducts, and the ducts themselves develop holes and full breaks over the lifetime of your unit, all of which may be hidden from sight by insulation. Remember, many contractors will push a quick change-out on you because it is easy and good money for them – you need to be involved and ask questions.
In addition, the black dust was found in most of the heat registers. He could rub it off on his fingers but did nothing but spray compressed air on it which didn’t make it disappear since it wasn’t loose. Also, in the register in the basement he described the black dust as being oily. The reality of that situation is that I had the AC on until the morning of the service and minutes after he snaked the hoses in my back door it started raining. The basement register had condensation from the humidity all over it. It was not oily but wet. He asked for an old towel and wiped it out. Never saw anything so black – because I never had to clean soot. That is what I have in my ducts. Soot from years of the old coal furnace.
Here in Atlanta we get 6 to 10 $49 coupons in the mail weekly…I have always consider them a complete scam….just had my master bathroom& bedroom and guest bath completely remodeled down to the studs…Had my 3 returns nearest the area sealed to prevent sheet rock dust to spread…it worked and I personally cleaned all 7 returns when a 5 HP , new Rigid shop Vac($99 from HD)…took one hour and I found little evidence that “I need my ducts cleaned” Had quotes from $400 to $600…I use the best air filters for my air handler and change it every 2 to 3 months…..any dust is trapped in it and I believe the Air Duct folks are all cons….
The cooling coils the air comes into contact with appear to need UV-C lights on them in humid climates. That's the biggest thing. If the ducts have never been cleaned, then getting that done goes without saying. But those coils need to be cleaned, disinfected, and then UV-C light(s) installed to prevent mold & bacteria build-up in the future on them. That appears to be chiefly responsible for the dirty laundry and/or sour milk smell coming from forced-air AC systems in humid regions.
Be careful with HVAC change-outs.  Change-outs are only about 15-20% of the HVAC installation industry. Decrease HVAC installation cost by investing in new ductwork now if needed. Your ducts wear out too, and make sure that your ducts are in fantastic shape if you do this. Many contractors push this because it’s easy and cheap for them, with good pay-off. Do your research and replace them if you need to in order to avoid doing it later, as well as avoid potential health hazards from using old, broken ductwork.

It seems all the average costs for a complete heating and cooling system replacement I've found on websites are usually at least 1/4 less, mostly half lower, then quotes I've gotten from companies. The worst quote I got was from One Hour Heating & Air Conditioning (the company with the Mike Rowe commercials), for over $15,000! I finally settled on a Carrier dealer, for $10,700 & I'll get $950 of that back in energy co rebates eventually. The company I went with's basic system would have been around $8800 (the only one that sorta matched up with web avg cost). They did all the correct planning as far as I could see, not like One Hour, who just showed me a price guide for the same size units already in place. And they do all the rebate paperwork and submit it to the energy co, One Hour never even mentioned possible rebates! Plus Carrier gets above avg reviews. I would have greatly liked a price under 9 grand, but this company got me 0% APR financing, so at least nothing out of pocket. My advice is stay away from national chains, and shop around with local area companies. Of course, One Hour says local companies will fold before you need warranty service lol. For their cost, there should be a technician living in his work van outside my house hahaha.

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.
PickHVAC Tips: First, see the PickHVAC tip above about sizing a central air conditioner. It applies to heat pumps just as much. Secondly, Even if the line set for the new heat pump is the correct size, we recommend replacing the set or at least the fittings. Old lines and fittings are a major source of leaks. When refrigerant leaks out, the heat pump efficiency suffers. Eventually, the unit stops providing heating and air conditioning, and it might break down.

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.