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.
All modern air conditioning systems, even small window package units, are equipped with internal air filters. These are generally of a lightweight gauze-like material, and must be replaced or washed as conditions warrant. For example, a building in a high dust environment, or a home with furry pets, will need to have the filters changed more often than buildings without these dirt loads. Failure to replace these filters as needed will contribute to a lower heat exchange rate, resulting in wasted energy, shortened equipment life, and higher energy bills; low air flow can result in iced-over evaporator coils, which can completely stop air flow. Additionally, very dirty or plugged filters can cause overheating during a heating cycle, and can result in damage to the system or even fire.
A little simple math can help determine the size system you need. A rule of thumb is 20 BTUs per square foot. So, a 500 square foot room would need 10,000 BTUs to cool or warm it efficiently. This assumes that you live in a temperate region and have adequate insulation with no energy loss. In the real world, all units have some degree of energy loss. This is reflected in an HVAC system's SEER rating for cooling and AFUE rating for heating.
Before you choose any duct cleaning service provider, interview as many service providers as you can. Ensure that the service provider is certified by the National Air Duct Cleaners Association or NADCA. Make sure that they hold a good standing in the Better Business Bureau and have all the necessary certifications and license. Be clear about their terms of service. Make sure they have the right equipment to do the job. It is best to go for a company that has been tried and tested successfully by any of your acquaintances or opt for a service provider that has been in the business for quite some time.

Mitsubishi Electric is a world leader in air conditioning systems for residential, commercial and industrial use. Challenged to create air conditioning systems that provide exemplary performance in the wide-ranging climatic conditions found throughout Japan, our engineers develop amazingly sophisticated yet durable units and systems capable of constant use under virtually any natural climatic condition on earth.
Some research suggests that cleaning heating and cooling system components (e.g., cooling coils, fans and heat exchangers) may improve the efficiency of your system, resulting in a longer operating life, as well as some energy and maintenance cost savings. However, little evidence exists that cleaning only the ducts will improve the efficiency of the system.