I agree that good filtration and a sealed system will prevent the need for duct cleaning. However, when we do get called it is because the duct work has reached a noticeable state of restriction or dust or the homeowner is hyper-sensitive to these pollutants in their home. Most of the time we find that no filter or a cheap (99 cent) filter is being used or they have serious duct leaks in the system. If you are hiring a cleaner make sure they are using professional cleaning equipment which will consist of a rotating brush system and a vacuum source. Be highly skeptical of the contractor with no branded system or the guy who shows up with just chimney brushes and a shop vac. He will not be able to reach around all the corners or all the runs in your system and he will be taking your money for a superficial cleaning at best. Only trust a company that offers VIDEO inspection and more importantly.... a contractor who repairs, installs and seals ducts if a problem is discovered or heaven forbid, created. Good luck and get your ducts sealed if you do have a leak! It is one of the greatest energy losses to a home other than being poorly insulated.
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.
First of all, I think it is great that there are many companies out there who look out for the customer and protect their interest. Secondly, I think it is also important that customers consider having their HVAC systems checked thoroughly before moving into a new home. I have heard a couple of horror stories where previous owners have not had the best housekeeping skills. Even when the appearance of the home seems it has been well kept, keep in mind that surface clean only goes so far. You can never tell what lies underneath.
Ok what you said is true but in most cases ducts are in a duct flex format, and knowing that the dust in people's flex duct is just surface dust, any real debris that are in the duct itself will result in very little to no air flow which will keep your unit from performing properly, but if it is true allergy reasons then replacing your duct system is better for overall better air quality, plus if you do pay attention to the warranty on flexible duct is that it only has a 10 year warranty and typically only lasts for 20 years so do your research before having a duct cleaning, and to add one more thing if your duct work is completely metal and you can't see visible insulation then your duct on the inside has insulation inside of it, if you replace that with duct work that is clean metal on the inside and wrapped with insulation on the outside then it will further reduce the air bourne fiberglass and dust.

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.
What if you move into a 20 year old house and find that the people who owned it previously NEVER replaced the filter? It was so dirty that the HVAC system did not work at all. For most people - duct cleaning is NOT a waste of time or money. You must not have allergies. I have very bad ones plus asthma. It makes it very hard for me if I don't get it done every few years. By the way - the ducts get dusty just sitting there - especially without air going through them. Dust settles on them just like it does the furniture.
Most people are now aware that indoor air pollution is an issue of growing concern and increased visibility. Many companies are marketing products and services intended to improve the quality of your indoor air. You have probably seen an advertisement, received a coupon in the mail, or been approached directly by a company offering to clean your air ducts as a means of improving your home's indoor air quality. These services typically — but not always — range in cost from $450 to $1,000 per heating and cooling system, depending on: