Sorry if this is too tangential for this thread, but have to ask... We've had a musky smell in our master bedroom and I got to reading about mold in the A/C/ductwork and so I bought UV-C lights, but haven't installed them yet. Anyone here have experience with them and their effectiveness? I read that hospitals use them and I'm hoping it will take care of the smell, which is only in the MBR for some reason... I couldn't find any other source of water or anything so thinking it might be a mold in the duct issue.
The UV lights will definitely kill mold on any surface that are directly in line with the bulb, and they will also help to kill mold/inactivate mold spores in the air that goes past it. But it seems unlikely that it will be much help for your problem.
1) Mold/dirt/dust in ducts is a problem that is frequently diagnosed. Its big business for duct cleaners. In fact, removing the dust/mold seldom improves indoor air quality.
2) Mold spores are everywhere. Killing them as they fly by in the duct air is probably not going to do anything about active mold that is growing someplace.
3) If there was active mold in your ducts to a problematic degree, I'd think you'd be smelling it everywhere.
4) If you have mold somewhere, then you have a water problem in that place. If what you are smelling is mold, and it is only in your bedroom, check there very carefully. Anyplace that doesn't get a lot of air exchange (under a mattress, clothes in a walk-in closet, etc) could be a candidate, especially if it's a place with slightly higher relative humidity than the rest of the house.
It's summer, and if the >outside< of your uninsulated/underinsulated (cool) ducts are in contact with warm air (in an attic, a crawlspace, inside walls, etc), they could have condensation on the outside which is dripping somewhere and feeding a mold colony. Or, you could have a small leak in a water pipe/fitting, etc.
The most healthy range for indoor humidity is between 40% and 60%. Most fungi cannot survive with RH below 60%. You've said your indoor RH is in the mid-60s during the summer, and there are places in most homes that exceed the average RH by quite a bit. So, in your shoes I'd do the common sense things (use exhaust fans when showering/boiling water, leave doors open if needed to encourage air circulation, etc) and also check to see that your AC system is doing its part to keep things in the healthy range.