fact is most homes have bad filter racks. when you insert the filter it doesn’t seal well to the sides so some of the air and dust bypass it and end up in the supply ductwork and into the house. Most of the dust in the supply ductwork settles down and doesn’t get blown in the house but some of it does when the blower starts up or when you put a new filter. If you have allergies or other health problems put in an electronic air cleaner, get your ducts cleaned and run the fan as much as you can afford. you can also get an ECM motor installed which is going to be worth it if you want to run the fan 24/7. If you have uninsulated metal ducts take down the ones you can and wash them. Then put them back and seal the joints. Cleaning the ductwork also improves airflow which is important to AC and Heat pump systems for efficiency. An electronic air cleaner will also improve airflow and static pressure because they usually have a much larger filter surface area. An electronic air cleaner also keeps the ac coil clean like new which means better efficiency and no cleaning needed. AC furnaces sometimes grow mold around the coil because of the condensation. Electronic air cleaners should be able to filter mold spores but the best remedy is installing a UV light next to the coil which will kill the mold.
I guess I should present my credentials first, I am a 30 year veteran of the heating and cooling industry. I started at the bottom and have participated in every area of the trade. Installer, service, maint. Ownership, rep, territory manager and so on. A forced air duct system is a large vacume. Like your vacume it has an air intake (return air) and an exhaust (supply registers). A filter just like a vacume (located next to furnace or air handler). Now I want you to visualize something. Put your head inside your vacume cleaner and breath. Get the picture? This is what your duct work looks like. Do you clean your vacume when it’s dirty? If it’s full and the filter is dirty you lose performance and it starts poluting the air you breathe. It’s common sense. I recommend hiring a duct cleaning outfit that you have researched to be honest, background checked, drug tested, insured, and highly recommended by your piers in the area. The service is a necessity, but like everything, it should be done by a qualified company.
You may consider having your air ducts cleaned simply because it seems logical that air ducts will get dirty over time and should be occasionally cleaned. Provided that the cleaning is done properly, no evidence suggests that such cleaning would be detrimental. EPA does not recommend that the air ducts be cleaned routinely, but only as needed. EPA does, however, recommend that if you have a fuel burning furnace, stove or fireplace, they be inspected for proper functioning and serviced before each heating season to protect against carbon monoxide poisoning.