Ok what you said is true but in most cases ducts are in a duct flex format, and knowing that the dust in people's flex duct is just surface dust, any real debris that are in the duct itself will result in very little to no air flow which will keep your unit from performing properly, but if it is true allergy reasons then replacing your duct system is better for overall better air quality, plus if you do pay attention to the warranty on flexible duct is that it only has a 10 year warranty and typically only lasts for 20 years so do your research before having a duct cleaning, and to add one more thing if your duct work is completely metal and you can't see visible insulation then your duct on the inside has insulation inside of it, if you replace that with duct work that is clean metal on the inside and wrapped with insulation on the outside then it will further reduce the air bourne fiberglass and dust.
If you want to get some of the dust and debris out of your ventilation system, you can mix household cleaners like bleach with water, dip a cloth in the mix and then the wipe out the system. This will remove a layer of the spores, which could increase the quality of air a bit and help with the flow of air throughout the house until a pro can come out.
I was with you until you said avoid steaming cleaning or moisture, there is no way you can remove mold or any other type of biological without moisture. The best way to do this is in fact with a steamer using a commercial disinfectant and a non reactive odor remover so your home smells refreshed and not like a hospital . This is directly contradictory to your article.
I need a complete system replacement , before I was trying to get an evaporator coil replaced , of course the price is between $2200 an $2800 , then get told it probably will over tax my ac unit within months , so now and like everyone else what do you buy 14 ,15 16 17 seer units ,price and how do we know its reasonable  why can't there be '" a estimated price ,in the ball park, a range of prices ,so we can at least go from their .....  Now it's from 7500 to 15000. Frustrating  from the start so everybody good LUCK.   Draw a # from the hat    Unregulated  and who do you BELIEVE, just like on NCIS go with your gut feelin   
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.
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.
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