Perhaps I need a simple cleaning

I have a natural gas furnace installed into my home.  It relies on a duct system to carry heated & cooled air between the furnace & the rooms of the house.  The conditioned air passes through the ducts, picking up dust, bacteria & other contaminants, & then is introduced via vents break into the ceilings.  These pollutants are circulated throughout the apartment & breathed in by my family. Because the heat is introduced from overhead vents, the warmest temperature is always up near the ceiling, where it does no nice at all.  Down by the floor, the air is often rather cold, forcing me to raise the control unit setting. The furnace then blasts a tremendous amount of overheated air, continuing to work until the control unit setting is achieved. It then shuts completely off, creating honestly unpleasant temperature variations.  This process is loud, aggravating & upscale! The furnace requires frequent repair. I need to upgrade the air filter every month & hire a professional Heating, Ventilation, & A/C specialist to repair the unit every fall. I also need to worry about the condition & upkeep of the duct system. If there is a problem with the furnace, I am always concerned about potential carbon monoxide poisoning.  I wish I could afford to tear the duct system & furnace completely out & upgrade them with a hydronic furnace. I’d prefer to install a boiler in the basement & radiant heating under the floors in every room. Radiant heated flooring is completely noiseless, requires little repair, & the heat originates at floor level. It rises honestly slowly & evenly, with the warmest rapidly decreasing temperatures remaining closer to the ground & allowing lower control unit settings.  There are no drafts or cold spots, & radiant heating doesn’t introduce contaminants into the breathing air.