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.
If not properly installed, maintained and operated, these components may become contaminated with particles of dust, pollen or other debris. If moisture is present, the potential for microbiological growth (e.g., mold) is increased and spores from such growth may be released into the home's living space. Some of these contaminants may cause allergic reactions or other symptoms in people if they are exposed to them. If you decide to have your heating and cooling system cleaned, it is important to make sure the service provider agrees to clean all components of the system and is qualified to do so. Failure to clean a component of a contaminated system can result in re-contamination of the entire system, thus negating any potential benefits. Methods of duct cleaning vary, although standards have been established by industry associations concerned with air duct cleaning. Typically, a service provider will use specialized tools to dislodge dirt and other debris in ducts, then vacuum them out with a high-powered vacuum cleaner.
The key to the continued and efficient operation of your heating and cooling system is periodic maintenance. Cleaning the air duct vent system, and servicing you heating and cooling equipment will keep the system operating at its peak performance. Air ducts are cleaned for two reasons. One: to prevent debris from entering furnace and air conditioning components. Two: to prevent debris from cycling through the home. The air duct cleaning contractor needs to employ cleaning methods which successfully removes debris, and ensures that debris does not enter the occupied space. Most contractors can verify the results of the cleaning through video or pictures.
I’m a heating and air conditioning contractor. I’ve been in the trade for over 15 years. I’ve witnessed numerous duct cleaning projects and talked with many duct cleaners. Duct cleaning as it’s usually promoted is a fraud. Most duct cleaners claim to deliver cleaner air. They deliver exactly the opposite. The studies on duct cleaning prove it, including a May 1998 study sponsored by NADCA and the EPA! The stories are compelling, but they can come up with stories that “prove” anything they want. Internet searches are dominated by results from those who are paid to tell you that duct cleaning is worthwhile. Search a little more and you’ll find the truth.
Air duct cleaning service providers may tell you that they need to apply chemical biocide to the inside of your ducts as a means to kill bacteria (germs) and fungi (mold) and prevent future biological growth. They may also propose the application of a "sealant" to prevent dust and dirt particles from being released into the air or to seal air leaks. You should fully understand the pros and cons of permitting application of chemical biocides or sealants. While the targeted use of chemical biocides and sealants may be appropriate under specific circumstances, research has not demonstrated their effectiveness in duct cleaning or their potential adverse health effects. No chemical biocides are currently registered by EPA for use in internally-insulated air duct systems (see Should chemical biocides be applied to the inside of air ducts?).