HVAC "Growth"

$18k lmao. id rather take the entire system apart and hand scrub it with lysol wipes before I pay that much

Sounds like you need a new AC guy.

I had a fair amount of growth on the coil, cleaned it off gently and had them install a UV light, never came back. Spent about $1400

I don’t know if this is the right answer, but look into UV lights. Might cost 1-2 grand, so do your research on if that would fix it.

Doing nothing could be fine, could also cause health / respiratory issues over time.

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But I have bad allergies and have not noticed them being bad. I feel like have mildew or mold in my HVAC system would cause some symptoms like smells, allergies, etc...

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Sounds like you answered your own question - it’s not an issue.

You weren’t specific, where was the mildew located - in and on/around the evaporator coil? which would be pretty normal (constantly damp environment during AC cooling period); throughout the entire unit, including ductwork (not normal and would/should require further investigated)?

There are other options for improving indoor air quality (IAQ) if needed, some mentioned, that don’t require replacing a HVAC.

So if the tech came out to do your yearly clean, why didn’t he clean the mildew? Sounds like you got a Sales HVAC tech - they make big commissions from their employer if they can sell you a new system. As others said, get a new HVAC tech or a new HVAC company that doesn’t use sales techs. .