Experience after approx. 14 months of central controlled residential ventilation: - Dirt in the ducts not visible - Regular filter cleaning (if I have to inhale everything that is stuck in the filters, I get sick) you can do it yourself - new coarse filter: costs a few cents if you buy roll goods and cut the filter yourself - annual power consumption approx. 250 kWh - the air quality is priceless (a large part of the electricity comes from our photovoltaic system - the system ventilates about 300 sqm floor area for us) - Germs in dry air? Where should they grow? I would rather worry about germs in carpets or mattresses...
Conclusion: Always a controlled residential ventilation + heat recovery, although it costs a few euros to purchase, it is a gain in comfort. Running costs are negligible. Germs? No!