Staying away from installing air ducts in my new home

I am going to be a new homeowner soon. I have had to ask around to my friends to know what to know as a new homeowner. I am sure that there are a lot of things they could give me advice about. Being a new home owner is not an easy thing. I have seen my mom own a home for several years and the stuff that she has to do around the house is crazy. However one piece of advice my friends all gave me was about my HVAC system. I specifically asked them what type of HVAC system they have in their home. They all told me to not bother with a system that has air ducts installed in it. The air ducts inside of the home get dusty and they can collapse at any time. If these air ducts behind the walls need work at any one time then the HVAC professional will have to put holes in the wall. That is the only way to reach the air ducts behind the wall. Air ducts can also collapse very easily if they are not installed properly. I am not a very trusting person so I would be sure that my HVAC professional would be able to do them right. I feel that an HVAC professional might want to make more money so he would install them poorly. I do not want that for my home after spending so much money to already have them installed. I am definitely going to install a ductless mini-split system after I have gotten so much advice from my friends.

energy saving help