There is a lot of good, general information in the article. As with anything, the homeowner should do their due diligence in getting enough information to make an educated decision. Should duct-work be cleaned? YES! Does it need to be cleaned annually or even every second or third year? Not necessarily. It all depends on a bunch of variables. You're right that a well designed and balanced system will deliver the right amount of air flow, but sometimes conditions outside the home/business, make it a necessity to get the ducts cleaned. As for mold? NO filter is going to address a mold issue. If you have mold, you have a moisture issue that needs to be addressed. Also, in my 38 years of experience in the HVAC and sheet metal industries, washable filters are one of the reasons ducts need to be cleaned. They are no where near efficient in cleaning/filtering the air to the level that they should.
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.
Duct cleaning is a complete scam, I was a “duct cleaning technician” for a whole week before I was fired for not upselling elderly widowed women $2000 extra for “toxic mold remediation” when their ducts were spotless to begin with. The last two days I was employed there I worked as a “helper” alongside a technician thats been with the company 7 years. He scammed every customer on mold and would at times get as much as $2500 extra for treating “toxic mold” in a typical 3 bedroom house in the suburbs. Wait…it gets even better, the “Biocide” the company used was simply a cheap $4.99 per gallon bought at Home Depot air freshener with no anti-microbial properties that was fogged into the HVAC system for 5 minutes, maybe using 1/2 cup of the stuff. In order to provide the customer with evidence of “mold infestation” the technician would be given bogus mold tests that always resulted in “toxic spores present” regardless if you swabbed the actual duct or nothing at all. Not to mention the actual duct cleaning job (typically $400) did basically nothing and the homeowner could’ve done a better job with a shopvac

What you might not know is that the brand you choose is one of the most important factors in determining a fair HVAC installation cost. So, before delving in-depth, let’s take a quick look at the average prices of a new air conditioner and matching coil by brand…keep in mind, these are the average prices (by brand) that contractors pay for your AC equipment, and it is meant to give you a rough guideline until you are closer to buying:
Simply living in your home creates dust and dirt. Have you ever seen dust floating in the air in your home when the sun shines in?  Dust, dirt, pet dander, mold spores, and allergens get pulled into the air handling system in your home. They build up in the ductwork; some of it gets recirculated back into your home, and some of it can be captured by a good quality air filter. Eventually, enough debris builds up to the point where most of it blows back into your home. Your furnace or air conditioner must run longer to cool or heat your home, which costs you more in utility bills. With a service call from Sears Air Duct Cleaning, you can feel comfortable knowing that the accumulation of dust, dirt, dander, mold, and allergens has been cleaned from your HVAC duct system.
Some of these components can be repaired or replaced by the homeowner, such as filters, fuses, and clogged up drain lines. Coils, compressors and the other components are best left to a professional. In some cases, you may have a system that is so old that parts are no longer available or else they aren't up to code. In this case you will have to consider replacing the entire system.
CIBSE publishes several guides to HVAC design relevant to the UK market, and also the Republic of Ireland, Australia, New Zealand and Hong Kong. These guides include various recommended design criteria and standards, some of which are cited within the UK building regulations, and therefore form a legislative requirement for major building services works. The main guides are:
Important Tip: Don’t just pay attention to the high-end of the price range! – which is what I know you are all looking at, but also look at the low range. If a contractor is cheaper than this, ask “why?” Usually it is because they don’t have liability insurance, workman’s compensation insurance, are unlicensed, all of the above, or worst yet, they don’t use HVAC technicians. You are spending a lot of money.  Make sure that they are licensed (In California, check here at CSLB License Checker) and insured.
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 did the $49.00 Groupon they just left. Basiclly all they did was stick a shop vac type hose into the vent supply and one return. I also had the dryer done. the person in charge pointed to the main return inside my humidifier and said it needed cleaning. I explained that I was in facility maintaince and would deal with it myself. After that they finished the vac and didn’t try any other sales pitch. I should have read the reviews before I bought this wast of money and time.
PickHVAC Tips: Electricity resistance heat is the most expensive heating type. You don’t want one of these unless you’re heating less than 30 days per year. The upfront cost of an electric furnace is much lower than the cost of a gas furnace. However, operating costs are two to three times higher. If winters are cold where you live, you’ll waste your upfront cost savings in just a few years of high electric bills.

At the state level the rebates are still substantial. For example, switching to a zoned system can get you a $100 rebate from various A/C companies, and state rebates are also included. In Pennsylvania a high-efficiency air conditioner alone can get you up to $300, and a high-efficiency complete HVAC system can see up to $1000. Maryland's incentives get up to $1,250, with a $100 rebate on a tune up of an existing system.

For more than 60 years Stanley Steemer has been perfecting our hot water extraction method to clean carpet with unparalleled results. Take control of the environment in your home and enjoy a cleaner, healthier living space for your family. Every carpet cleaning is Certified to remove an average of 94% of common household allergens. We remove the dirt you can see and the allergens you can't. 
I called a company name “GREEN RHVAC” with their $29.00 one system air duck cleaning. When the guy came with a truck I asked him to tell me how much he will charge and he said that if he gave me price and I didn’t want the service then he would charge me $89 or he would tell me how much he charge me after he finished the work. I immoderately sense that I made mistake to call him to my house. To cut my lost I asked him to give me the price and it was $1600 for two systems house. I paid $100 to him for my lesson to learn and search online to find this site is very helpfully and I should do it before to call anyone for air duck cleaning.
So, naturally I respond with, “you don’t tell your doctor which medication to prescribe you, do you?” The point is, on the residential level, who you get to install your HVAC unit is far more important than which unit you choose.  Keep your options open and let your HVAC contractor make a few recommendations – that’s why you spent time finding a reputable contractor!
In addition, the service provider may propose applying chemical biocides, designed to kill microbiological contaminants, to the inside of the duct work and to other system components. Some service providers may also suggest applying chemical treatments (sealants or other encapsulants) to encapsulate or cover the inside surfaces of the air ducts and equipment housings because they believe it will control mold growth or prevent the release of dirt particles or fibers from ducts. These practices have yet to be fully researched and you should be fully informed before deciding to permit the use of biocides or chemical treatments in your air ducts. They should only be applied, if at all, after the system has been properly cleaned of all visible dust or debris.
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