I replaced all the ducts but the trunks in my 1969 home when I replaced the horizontal furnace under the house with a gas pack. I got advice from a friend who was an HVAC contractor. I was surprised to find the trunks and other ducts very clean. I replaced the individual runs with flex primarily for the insulation. I wrapped the trunks with insulation also.
Duct cleaning is a band aid, like washing you hands is. Under your description, why wash your hands more than once? If it gets cleaned once, it shouldn't get dirty again. Well that is, unless they touch something dirty. Keeping your hands completely clean is virtually impossible. Same as keeping dust out of your home. You clean your ducts and over a 3-5 year span they get dirty again. Also, duct cleaners are not licensed but should be certified by NADCA(National Air Duct Cleaning Association).
So HVAC sent Tony Diaz to my house. I was at work so he was subjected to the most excruciatingly exacting woman on the planet (my wife). Tony impressed her with his friendliness, professionalism and the obvious jouneyman-level knowledge of his craft. He found literally --burnt-out-- parts in our system and replaced them. It cost us a bit but I know enough about the parts to see there was no gouging on the parts and a fair rate for the labor. It wasn't cheap but it was fair and worth every dime.
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.
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.
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).
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.
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.