Yes, ducts can look terribly dusty. However, that dust will not become aerosolized during the normal operation of your furnace. There is an easy way to test this. Rent a particle counter and test the air flowing out of your registers before and after cleaning. You will not see any improvement in the air quality or any reduction in the airborne dust level. Think of it this way. Duct cleaning companies tell you that you need to clean your ducts when you can see a layer of dust in your ducts. Yet that very layer of dust is proof that duct cleaning is unnecessary, because that dust proves that the air movement in your furnace is not fast enough to re-aerosolize the dust.

The Environmental Protection Agency says that “duct cleaning services typically – but not always – range in cost from $450 to $1000 per heating and cooling system, depending on the services offered, the size of the system to be cleaned, system accessibility, climactic region, and level of contamination” and type of duct material. Consumers should beware of air duct cleaning companies that making sweeping claims about the health benefits of duct cleaning – such claims are unsubstantiated. Consumers should also beware of “blow-and-go” air duct cleaning companies. These companies often charge a nominal fee and do a poor job of cleaning the heating and cooling system. These companies may also persuade the consumer into unneeded services with and/or without their permission. (If you have knowledge of a practicing “blow-and-go” air duct cleaner, contact your local Better Business Bureau to report the company, and your local, federal, and state elected officials to demand legislation.)
Having evaporator and condenser coils cleaned could cost between $100 and $400. If your coils can be accessed in-place, you'll be looking at a lower service cost. If your technician needs to remove the them first, the cost should be around $400. Having the evaporator and condenser coils cleaned can have a significant impact on the efficiency of your system. If your coils are excessively dirty, they won't be able to do their job and your system will have to work harder. Keeping up with the hygiene of these components can save you money in both the short and long-term. For example, replacing evaporator coils can cost anywhere from $650 to $1200.

Well, I had the cleaning done. The handler is definitely much quieter. It was explained to me that with the coils clean, the condensation will be able to sweat off instead of sticking to the dust and dirt, therefore the humidity (lots of humidity in florida) will be removed better. I feel as if it was worth it, but, I will definitely change that filter every 3 weeks or so from now on. I don’t want to pay that cost again.
Most organizations concerned with duct cleaning, including EPA, NADCA, NAIMA and the Sheet Metal and Air Conditioning Contractors' National Association (SMACNA) do not currently recommend the routine use of sealants to encapsulate contaminants in any type of duct. Instances when the use of sealants to encapsulate the duct surfaces may be appropriate include the repair of damaged fiber glass insulation or when combating fire damage within ducts. Sealants should never be used on wet duct liner, to cover actively growing mold, or to cover debris in the ducts, and should only be applied after cleaning according to NADCA or other appropriate guidelines or standards.
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].
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.