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There are many so called professional duct cleaners selling snake oil the industry is really taking a big hit. Follow the advice on the link I attached to get your answer.
If your filter system is properly installed so there is no air bypass around the filter and you change this filter as recommended by your HVAC person or filter manufacture there should be no
Many times then not we find the AC coils dirty when servicing or doing a duct blaster test for efficiency and leaks. Coils should be cleaned by a professional contractor who understands the system, the pressures the pipes are under and has the necessary equipment to get the job done correctly.
Cleaning ducts is not a DIY type of project, unless you fully understand how its done and are willing to spend more time doing it with make shift devices to do the job.
I recently visited a home that has a lined duct system. This type of duct system cannot be cleaned, It must be discarded and a new system installed. Quite often AC only systems use a Duct board system which is a board type fiberglass insulation product that is cut and fabricated to form the duct shapes. This system works well for a few years until dust builds up on the inside of the liner and the fiberglass begins to peel away as the ducts fall apart from the air friction imposed upon it when the fan runs.
Anyway check out the link. I think It will answer all of your questions.
If your suffering from allergies, get your DR to prescribe this to be done so you have a good deduction on taxes next year. But unless your suffering and there is evidence that the dust within the duct system is the cause, your putting money where you need it least.
On the filter issue. There are 90 cent filters and four hundred dollar ones as well. You need to be real careful when picking out your filter due to restrictions placed upon the air flow within the blower. The pleated high efficiency HEPA type filters work well and run around $10 or so. These filters should be changed four times a year. Or each season ideally. If your home is well kept, then twice a year should be fine.
You want to steer clear of the electrostatic filters sold in many stores. These are plastic high density filters that have custom sized frames that you fit to your current system size. Their design is such that static builds up on the plastic filtering plates as air rushes by. This results in the dust sticking onto the filter media better. These filters while they do work, they are simply to restrictive and do not allow enough air flow through them to allow the furnace or AC system to work properly. Many manufactures of equipment will void their warranty if they are used as well.