When did you put your metal roof on? Does it help at all??
The light colored metal roof was installed mid summer, so that will help comparisons too but later this year.
I know one thing that helped my bill was putting filters in the returns in the house as opposed to right at the handler...... My neighbor was telling me that the main reason they are right at the handler is so consumers can get to them easier but, it creates problems with air flow when so close if they aren't kept up and even then it's not as good as a lot of space between.... It was a pretty significant drop in monthly cost .......
My system is a split-ductless. All filters are inside.
I run serious stand alone air cleaners/filters in my main room and my bedroom. About once every month or two, I vacuum dust off the outer filter wrap. My vacuum cleaner uses sub micron bag so that dust is captured by the filters then discarded in my vacuum cleaner bag.
I had a serious black mold problem years ago that I have managed with cleaning, and dehumidifiers. When mold is dying from lack of moisture it releases spores, lots of spores, so hopefully my air filters captured most of those spores over the last several years.
That and using filters he recommended.....He said something regarding those accordion filters being really bad unless they are the ones that are really tight.....the larger spaced ones are bad(like the companies pawning them off should be sued bad) but I can't remember why....I've been meaning to follow up on his thoughts.......Anyhow, he turned me on to some really cheap non-accordion type ones I get in a large case...... I just change them every few months....even though they don't look dirty..... 
I try to keep my filters clean... I also have to clean/vacuum my de- humidifier filters that clog up regularly. The dust I vacuum out of all my air filters are light gray/beige so hopefully not all mold, but surely some spores in there.
I just checked the heat pump owners manual and they say to vacuum the air filter every 2 weeks... (oops

I know what I'm doing this weekend. ) They also say to replace the filter annually.
JR