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Yes, having mismatched evaporator and condenser coils in your AC system can lead to serious issues. For instance, it can result in higher monthly energy costs as the system runs longer to compensate for the mismatch. This mismatch can also put extra stress on the system, compromising its efficiency and longevity. 

Along with that, mismatched coils can lead to higher temperatures and humidity levels in the home. What’s more, using coils of different sizes may violate the manufacturer's warranty, as they are designed to work synergistically, and any mismatch could lead to repairs and system failure.

Running an air conditioner with mold is not safe because it can spread harmful mold spores throughout your home. Exposure to these spores can trigger various health problems, including respiratory issues, allergies, coughing, wheezing, sneezing, itchy eyes, and a sore throat. It may also aggravate asthma in household members. Continued exposure can increase the risk of more serious illnesses like sinus infections, pneumonia, and bronchitis. If you suspect mold in your air conditioner, you should stop using the system until it has been properly cleaned to avoid health risks and further contamination.

While 72 degrees is a comfortable setting for many people, it’s likely not the most efficient temperature setting for your air conditioning unit. By pushing the temperature up to 75 or 78 degrees, you stand to save money on your energy bill. That said, these temperatures may be too warm to be comfortable for some people and are definitely too warm for most people to sleep comfortably.

Water buildup in your HVAC system is a cause for alarm. If water accumulates in your ductwork, it can drastically lower your home's air quality and create safety hazards. These risks include mold growth, damage to your HVAC system, and attracting pests that are seeking water into your ducts. Proper insulation and sealing of ducts can prevent this, and regular inspection and maintenance can address water damage problems before they become too severe.