The cotton cloth comes back grey or black.
Pull a return-side vent cover off, the bigger one. Reach in with a clean white cotton cloth, six inches deep. Wipe the inside wall of the duct in two slow passes. Pull the cloth out and look at it under window light.
White or pale grey is normal house dust, fine. Dark grey turning to black is a problem. What you're seeing is years of pet dander broken down to powder, candle and cooking soot pulled through unsealed return paths, and in Houston, the leading edge of microbial growth where humidity meets cool metal. Whatever's on that cloth is what your HVAC has been pushing into your bedrooms every six minutes.

