We have air con in three room in our house here in China and we do need it during the summer, very hot and humid. Has not caused us any problems as we always have ot set at a reasonable differential between the outside temp.
In winter on the warm cycle it is crap at heating rooms so we just wear extra layers and use stoarge heaters overnight to keep the edge off the lower temperatures. Chinese built house south of the Yangste have no cavity wall insulation, even new ones.
There is a risk when running in and out od air conditioned stores and hotels of getting a chill. Sweaty outside and cool inside.
We clean the filters every few months, never been a problem. Use a soapy solution with a drop of discinfectant.