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.
A house breathes just like you an I.For example every time your clothes dryer comes on it automatically creates a negative pressure inside the home.So if air goes out of the living area it has to be replaced.....now look above the ceiling fan ....you see the cover...underneath that is a hole straight to your attic....Now the stuff on your ceiling fan you call dust...call it insulation,rat fecies or anything else that is in your attic that could be pulled in your due to a negative pressure.
I am a service technician [since '92].....and as to double filtering.....I have never recommended it. Granted.....it would be noticeably helpful if the fiberglass filters are the main ones used [which I also never recommend.....as 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]......as 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].
I was with you until you said avoid steaming cleaning or moisture, there is no way you can remove mold or any other type of biological without moisture. The best way to do this is in fact with a steamer using a commercial disinfectant and a non reactive odor remover so your home smells refreshed and not like a hospital . This is directly contradictory to your article.
Duct cleaning generally refers to the cleaning of various heating and cooling system components of forced air systems, including the supply and return air ducts and registers, grilles and diffusers, heat exchangers heating and cooling coils, condensate drain pans (drip pans), fan motor and fan housing, and the air handling unit housing (See diagram).