#3 The ONLY time Duct cleaning is needed is when the home had a fire, Bad roof leak on to FIBERGLASS ductwork or house sat vacant for many years with out the air running. And its better to replace than to do “abrasive” duct cleaning. If the duct cleaning has a rotating brush it will remove part of the glue that is holding the Fiberglass in the ducts together, PERIOD no matter how much the say it don’t because the brush is soft.
If there is stuff in the ducts, the fact that it’s laying there and not being blown into the rooms is proof positive that it is hurting no-one. The 5-6 exceptions you cite in this article I’ll buy, but only with the caveat that at least some of those could have been avoided by proper protection (during remodeling for example) – and if asbestos/lead/whatever winds up in your ducts- the remodeling contractor should be the one paying to remove it.