If there is stuff in the ducts, the fact that it’s laying there and not being blown into the rooms is proof positive that it is hurting no-one. The 5-6 exceptions you cite in this article I’ll buy, but only with the caveat that at least some of those could have been avoided by proper protection (during remodeling for example) – and if asbestos/lead/whatever winds up in your ducts- the remodeling contractor should be the one paying to remove it.
With the split system, the evaporator coil is connected to a remote condenser unit using refrigerant piping between an indoor and outdoor unit instead of ducting air directly from the outdoor unit. Indoor units with directional vents mount onto walls, suspended from ceilings, or fit into the ceiling. Other indoor units mount inside the ceiling cavity, so that short lengths of duct handle air from the indoor unit to vents or diffusers around the rooms.
HVAC equipment is estimated to last about 15 to 20 years. Yet over the years, parts go out and need to be repaired. Heat sensors, exchangers, and ducts can become worn out. Air conditioning motors may need repairing from time to time. For repairs to your heating and air conditioning systems, and even general maintenance, let HomeAdvisor help. Enter your zip code and let us connect you with prescreened HVAC repair services near you.