The cooling coils the air comes into contact with appear to need UV-C lights on them in humid climates. That's the biggest thing. If the ducts have never been cleaned, then getting that done goes without saying. But those coils need to be cleaned, disinfected, and then UV-C light(s) installed to prevent mold & bacteria build-up in the future on them. That appears to be chiefly responsible for the dirty laundry and/or sour milk smell coming from forced-air AC systems in humid regions.
I think that the coding and permit industry is a joke!! They will not allow the homeowner to apply for the permit it has to be the licenced contractor. It would make since to allow the homeowner to apply for this. But it is all about money!! They really don't care if its up to code because if they did then they wouldnt care who applied and payeed for it, but they want the contractor to do it so if they do something wrong they can fine them instead of just pointing it out and allowing them to do it right.
We moved to a house built in 1965 from a 1915 house with a dirt basement. Against what I anticipated, the 1965 house was much dustier. It was like felt on top of everything. I cleaned and cleaned and it did become less dusty over time. We then found out a cat lady with over 2 dozen cats lived in the house in the past. We then had to get our furnace replaced and I was able to look down some of the duct work, the dirt and debris was 3-5 inches deep. Additionally, the basement ducts were entirely plugged with debris including dirt, seeds, ants, toys, etc. I had already removed what I could from those. We had our ducts cleaned last year, and the dust in the house is greatly reduced. Also have lost the runny nose I got after moving here. There are duct cleaning con artists out there, but ours did a good job.
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.