So after months of that musty blast every time the AC kicked on, I finally bit the bullet and had a tech out to pull the blower wheel and clean the evaporator coil. He rolled the wheel out to the driveway and hosed it down, and I honestly could not belive the gunk that came off it. The fins on the coil were matted with dust too. Whole job took about two hours.
The difference was immediate. No musty smell at startup, and the air coming out the vents feels noticeably stronger. The house cools faster than it did before, which I did not even realize was an issue untill it stopped being one. I figured the smell was coming from the ducts and was half ready to pay for a full duct cleaning, but the tech said nine times out of ten it is that organic film on the wet coil, and he was right in my case.
For anyone sitting on a similar quote, I would say get it done before you jump to duct cleaning. My unit is about the same age as a lot of folks talk about here and it was never touched since install. Wish I had done it two summers ago instead of just living with it.