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Yes, HVAC zoning is generally considered worth the investment by both experts and homeowners. Zoned systems offer significant benefits in convenience, efficiency, and comfort by allowing you to set different temperatures for various rooms or 'zones' in your house. This ability to heat and cool only the spaces you're using leads to energy savings and lower utility bills. Zoned systems are especially effective in multi-level homes that experience temperature fluctuations, but even smaller homes can benefit from the ability to adjust temperatures more quickly. While the up-front installation cost can be high, many find it's a worthwhile long-term investment, particularly for those who plan to stay in their home for a while.

While an air conditioner can temporarily run with a dirty filter, it is not recommended as it will not work efficiently. A dirty filter forces the system to work harder to circulate cool air, leading to reduced airflow, increased wear and tear, and higher energy bills. This added strain can cause the air conditioner to overheat or fail prematurely. Furthermore, a clogged filter may allow dust and dirt to accumulate in your ductwork, negatively impacting air quality. It is more cost-effective to clean or replace filters regularly than to pay higher utility bills and risk needing to replace the entire AC unit.

AC drip pans last five to 20 years, depending on the material. Plastic AC drip pans last five to 10 years, while metal pans can last over 10 years. Plastic AC drip pans are vulnerable to cracking in response to temperature changes. Metal drip pans are prone to rusting over time, which can also lead to leaks.

Choosing between a ductless mini-split and central AC depends on your specific needs. Ductless mini-splits are ideal for targeted cooling, providing zoned comfort and energy efficiency. They are perfect for smaller spaces or homes lacking ductwork. In contrast, central AC offers consistent cooling throughout the entire house but requires ductwork and may be less energy-efficient for smaller spaces. 

Consider factors like budget, home size, and cooling preferences to make the right choice. Combining both systems, with a ductless mini-split in specific areas, can also be a viable solution for tailored comfort and overall efficiency.