The HVAC Mechanicals are the 2nd most expensive thing most homeowners may have to replace. Only the roof is more expensive. With the change in energy standards, the new equipment has pushed prices up to the point that a new HVAC mechanical system can be more expensive than a new roof, depending on the roof!
For a good overview of the system, go see: http://home.howstuffworks.com/how-to-maintain-an-air-conditioner.htm
I recommend that all my clients hire an HVAC company to come clean and service their mechanicals. Most companies do a twice-a-year come-and-clean-it for about $100 per year. Having the system cleaned and serviced will substantially lengthen the life of the equipment. Substantially. Because the equipment is functioning as well as it possibly can, the utility cost will be as small as it possibly can be, given the age and type of equipment.
It falls into the Just Do It school of Home Maintenance!
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