Some of the research I have done suggests to have your ducts cleaned when you first purchase a new home to remove drywall dust. Maintain your system well and you shouldn't have to do it again until you want to sell. Those are the two times cleaning was suggested. So for peace of mind maybe it is a good idea to do it even if you buy a used home and then maybe every 5-10 years.
An air conditioner's compressor contains a refrigerant. As it works, it sends this refrigerant through the system. As warm air blows across the coil that carries this refrigerant, the heat transfers to the refrigerant (cool always absorbs warm). A fan moves the cooled air through the ducting and out of vents that lead into the rooms of your house. The refrigerant returns to the compressor where the absorbed heat is moved outside. The refrigerant is then sent through the coil once again to continue the cycle.
All of the products discussed above are registered solely for the purpose of sanitizing the smooth surfaces of unlined (bare) sheet metal ducts. No products are currently registered as biocides for use on fiber glass duct board or fiber glass lined ducts, so it is important to determine if sections of your system contain these materials before permitting the application of any biocide.

Clean air delivery rate is the amount of clean air an air cleaner provides to a room or space. When determining CADR, the amount of airflow in a space is taken into account. For example, an air cleaner with a flow rate of 100 cfm (cubic feet per minute) and an efficiency of 50% has a CADR of 50 cfm. Along with CADR, filtration performance is very important when it comes to the air in our indoor environment. Filter performance depends on the size of the particle or fiber, the filter packing density and depth and also the air flow rate.[30]

No one has addressed mfg homes and doesn't seem any of the comments are from people in So CA which of course does make a difference as my dust comes from the outside not from the vents. My windows are open pretty much 365 days a year. Secondly mfg homes don't have basements or attics I keep mine clean with my vacuum as they are only about 2 ft deep. I purchased my home 10 yrs ago and it is a high end home but have never had a problem. I clean my furnace filter about twice a month as I have cats and most everything in there is cat fur. I am not saying they don't ever need to be cleaned but I am questioning mfg homes, I also clean my own filters in my AC unit outside as the HVAC guy told me too he QUATITY they would sell. I use this same company every year now for my tune up and inspection which takes them about 10 minutes. Not a bad return for them and I don't mind the $79 fee. If anyone has more info than this on mfg homes please let me know!
Tip – Be careful with change-outs. Ductwork deteriorates and sometimes has to be replaced.  It is only if the ductwork is in fantastic condition that you should get a change-out without ductwork (Remember – the ductwork has already been there for 15-20 years, and now it will be there another 15-20…it has to be in good shape). However, many HVAC installation companies like to push change-outs because the ductwork is the most time consuming part of the job, and a change-out is quick, easy money. Realize that it’s only about 15-20% of the jobs that qualify for a change-out, so be careful.
I am a service technician [since '92].....and as to double filtering.....I have never recommended it. would be noticeably helpful if the fiberglass filters are the main ones used [which I also never long as system can deliver appropriate air flow with a pleated cotton filter...and any decent service tech can check the air flow for proper cfm]. Any particles small enough to pass through a pleated cotton filter are going to pass through a second filter as well....unless the second filters are so tight that the system is starving for air flow. Has anybody ever accidentally put two filters in their automatic drip coffee maker? What if cars used two fuel filters or air filters? I have told some homeowners to try using second filters at each register [the black thin filter material cut-to-fit....same type used in many window air conditioners].....but I only suggest this when I know they will still get at least 400 cfm per ton of air flow [350 absolute minimum] some homeowners know others who say it has helped and it gives them a peace of mind knowing they are doing something to help contribute to a solution, so it HAS to help [even though I think it falls in the "one-born-every-minute" category.....similar to duct cleaning].
I'd have to disagree with all of your statements. Not only are they derived from no experience in the field, you are missing keys facts. Ducts even if air tight will get dirty. If they are not getting dirty, it means they are not working. Your returns side of the duct work is always under negative pressure when the system is operational.Therefore it is always drawing air in. Seeing how dust is made up mostly from dead skin humans shed daily. Around 1.6 Pounds of skin a year per human. Living in your home anything that is air born will be drawn back towards the cold air returns. That is what they are designed for, to draw stale air back to the system to be filtered and sent back through the house.Homes with carpet will actually have cleaner duct work than home with all tile or hardwood. This is because carpets hold onto dust particles and you vacuum them up. Whereas on hardwood or tile, dust can run freely back to the returns. Even if a duct system was sealed 100%, which is next to impossible to achieve 100% would still need to be cleaned. The cleaning may only have to be every 7-10 years for example. Most homes require every 5-7 years. And that's if it was done properly the first time. If you constantly hire people that have no or minimal knowledge of duct cleaning, You home would require cleaning more often. Every 2 years. That's a trade secret, The longer they recommend before the next cleaning, the odds are they did it right. That's not to say there aren't people that lie, because there are. Just have your duct cleaner take pictures before and after cleaning. Not just an outside view. Get in there, picture entire joist liners, Whole main runs and even long round pipes. Also it helps to have a company that guarantees their work. If it's not done right, they will come back and do it until it is. Most companies that do this make sure it is right the first time. Your not getting paid to do the job twice.

On the other hand, if family members are experiencing unusual or unexplained symptoms or illnesses that you think might be related to your home environment, you should discuss the situation with your doctor. EPA has published the following publications for guidance on identifying possible indoor air quality problems and ways to prevent or fix them.

An important component of natural ventilation is air change rate or air changes per hour: the hourly rate of ventilation divided by the volume of the space. For example, six air changes per hour means an amount of new air, equal to the volume of the space, is added every ten minutes. For human comfort, a minimum of four air changes per hour is typical, though warehouses might have only two. Too high of an air change rate may be uncomfortable, akin to a wind tunnel which have thousands of changes per hour. The highest air change rates are for crowded spaces, bars, night clubs, commercial kitchens at around 30 to 50 air changes per hour.[17]
There are many interesting comments from several informed individuals. The question that has not been answered is how do duct systems get dusty and dirty? As a RESNET Home Energy Rater, I perform pressure tests on homes and duct systems, and the one common thread is . . . most air delivery sytems have large amounts of air leakage. The solution is to seal the duct system, and pay particular attention to the return duct system and ductwork near the air handler (the 'blower'). As others have said, a captive (sealed) duct system with proper filter maintenance should be more then adequate for most occupants. For those who have allergy, asthma, or other breathing problems, a filter with a higher MERV rating (number should be listed on the package) or a HEPA filter are good choices. These filters will capture smaller particulates and should improve the indoor air quality. Again, make certain that the entire duct system is sealed, preferably with mastic, second choice UL-181 foil tape - never use cloth duct (also known as duck) tape.
I to had an odd layer of white'ish dust building up especially during seasonal periods when the HVAC ran a a lot. I carefully swept up the fine dust into a small pile and had it analyzed. Turns out it was very fine fiberglass powder dust. It turns out it is the insulation form the attic! (My attic has blown in insulation). Turns out if you (I) had small gaps around my HVAC registers in the ceiling whee the airs blows into the room. What occurred in my case was that the exiting air at that seam creates a vacuum effect at the grate vent cover and draws and then blows fine insulation dust from the attic into the house. Removing each register grate and sealing each tin outlet gap with calking between the dry wall ceiling and tin fixed the issue. A couple were so bad with bowed gaps I had to screw down the bowed tin to the attaching stud better. Checking the very same glass top desk that catches and shows any dust accumulation now shows only very small amounts of normal house dust build up over several weeks. A big, big improvement. You might have a look by simply removing a couple vent covers yourself.

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.
An EER certifies the cooling efficiency of HVAC units. It's calculated by the rate of the cooling in British thermal units (Btus) per hour and divided by the rate of energy input in watts at a specific temperature. The calculation goes as BtuH/WATT at dry bulb (db) versus wet bulb (wb) temperatures. The optimal rating for a cooling unit is about 80db/67wb inside and 95db/75wb outside.
Although HVAC is executed in individual buildings or other enclosed spaces (like NORAD's underground headquarters), the equipment involved is in some cases an extension of a larger district heating (DH) or district cooling (DC) network, or a combined DHC network. In such cases, the operating and maintenance aspects are simplified and metering becomes necessary to bill for the energy that is consumed, and in some cases energy that is returned to the larger system. For example, at a given time one building may be utilizing chilled water for air conditioning and the warm water it returns may be used in another building for heating, or for the overall heating-portion of the DHC network (likely with energy added to boost the temperature).[4][5][6]
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
Concrete Blocks -- Concrete blocks are used in foundations and are often found in full basements. Insulating the spaces in the blocks is not the way to insulate them as the heat energy will travel along the concrete itself. The best way to insulate with concrete blocks is to use insulated concrete blocks, which have polystyrene incorporated into them.
You can adjust for seasons: During the summer, you can have the air conditioner stay off during the cooler morning hours and start cooling the house as everyone gets up and starts moving around. During the winter, you can have your heater stay off while you are away at work and turn on about a half hour or so before you get home so that you are coming home to a nice, warm house.

Your contractor will do a load calculation to determine the proper central air conditioning unit for your home. This calculation accounts for the climate, size, shape and orientation of your home, as well as its square footage. A professional will also look at the insulation, windows, walls, floors and other materials that compose your home. He/she will then examine any leaks, seals and existing ducts or vents.
We installed a TRANE XL18 HVAC with a TRANE HV80 furnace 16 years ago and it still works great in Tucson, AZ.  We inquired into a replacement for the future since the R-22 refrigerant will be off market at the end of this year.  Our maintenance folks want to sell me a new system anyway (even though the TRANE works great).  We are considering the BOSCH Inverter heat pump as a lower cost option down the road.  Watch out for the tricky salesmen trying to sell beer at champagne prices though. Get estimates on whether you need to replace your current system and how much it could cost.  And if they are factory certified.

Wiring up the thermostat is usually pretty straightforward if an old one is being replaced. If a thermostat is being put in where one had never been before, that could involve running new wiring. The placement of the thermostat is also important so that its sensors can get an accurate reading of the temperature. A thermostat that is blocked by a bookcase or other large furniture will not get a good reading and will not perform efficiently.

HVAC is an important part of residential structures such as single family homes, apartment buildings, hotels and senior living facilities, medium to large industrial and office buildings such as skyscrapers and hospitals, vehicles such as cars, trains, airplanes, ships and submarines, and in marine environments, where safe and healthy building conditions are regulated with respect to temperature and humidity, using fresh air from outdoors.

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.
An example of a geothermal heat pump that uses a body of water as the heat sink, is the system used by the Trump International Hotel and Tower in Chicago, Illinois. This building is situated on the Chicago River, and uses cold river water by pumping it into a recirculating cooling system, where heat exchangers transfer heat from the building into the water, and then the now-warmed water is pumped back into the Chicago River.[24]
Refrigerant Metering Device -- Every HVAC system has one of these, and heat pumps have two. They regulate the amount of refrigerant going through your air-conditioner. If it fails, either too much or too little refrigerant will course along the lines and either not perform well or will overwhelm the compressor and cause it to fail. A total failure of this component will result in a complete loss of operation.
Without proper ventilation, carbon monoxide can be lethal at concentrations of 1000 ppm (0.1%). However, at several hundred ppm, carbon monoxide exposure induces headaches, fatigue, nausea, and vomiting. Carbon monoxide binds with hemoglobin in the blood, forming carboxyhemoglobin, reducing the blood's ability to transport oxygen. The primary health concerns associated with carbon monoxide exposure are its cardiovascular and neurobehavioral effects. Carbon monoxide can cause atherosclerosis (the hardening of arteries) and can also trigger heart attacks. Neurologically, carbon monoxide exposure reduces hand to eye coordination, vigilance, and continuous performance. It can also affect time discrimination.[15]
Those of you who read our posts regularly know that we built our reputation as a U.S. Veteran-Owned business that prides ourselves on giving people straight, honest answers to their questions...and there’s no question that makes people cringe more than asking, what does a new HVAC installation cost? Oddly enough, most contractors keep their air conditioning installation cost a closely guarded secret, as if the knowledge of how much it should cost will somehow change your decision when you have to buy a new AC. What I will tell you, is that the fair price of an HVAC installation will vary greatly based on the type of heating and air conditioning system installed, as well as the options needed or desired (Ductwork included? Zoning system?). In this article, we’ll discuss the five system features that affect HVAC installation cost, fair price ranges you can expect to pay for your new system, we will then perform an example calculation of how you can calculate a fair price, and finally, what you can do to keep from getting ripped off on your new HVAC installation price.

Pay particular attention to cooling coils, which are designed to remove water from the air and can be a major source of moisture contamination of the system that can lead to mold growth. Make sure the condensate pan drains properly. The presence of substantial standing water and/or debris indicates a problem requiring immediate attention. Check any insulation near cooling coils for wet spots.