The heat-exchanger cools the air that is being forced through it by the furnace blower. As the warm air comes in contact with this cool surface the water in the air condenses. By pulling the water molecules from the air. According to the psychometric chart as relative humidity decreases in order to feel cool you will have to lower the temperature even more. A common way to counteract this effect is by installing a whole-home humidifier. Similarly, installing a high efficient system this need to turn the temperature down wont have such and influence on your energy costs.
Cleaning the debris that builds up on your filters will aid with the flow of air. When your air filter is clogged, your air handler must work harder to compensate for the blockage of air flow. In addition to driving up your utility bill, the reduced air flow through your heating and cooling system can cause your heat exchanger to overheat and shut off too quickly.