I hope that those customers you have with breathing problems don't follow your advice too closely. You are doing them a disservice. Dirt in your ducts does not always stay there, depending on what the contaminants are. I bet you tell your customers not to worry about mold either- just to kill it with bleach. Educate yourself before opening your mouth- You may kill someone someday with your opinion.
Pro HVAC company Southern Comfort Mechanical says on its blog, “If there’s mold growth inside the handler due to excess moisture, algae in the condenser drain line or a dirty evaporator coil, it can negatively impact your AC unit’s efficiency. The filters inside may also build up excess dirt and become clogged, which will also make your AC [or heat pump] waste energy trying to sustain the cool climate inside your home.” These issues are easy to solve. They don’t require replacing the air handler.
"Customer service was great, and the price was in-line with other places, and fast service. We had a whole replacement of the outside and inside. I would have liked to see a better install for the furnace and new thermostat - the new thermostat should have gone where the old one was, and even tho the new furnace was a tight fit, they didn't offer to come back and repair the case molding, or give me a discount on the damage done, and I believe they should have put a disconnect box on the outside of the home, to make it easier for any future repairs needed. Other than that, am very happy with the cooling and heating!"