My short answer to your question is that you probably did not waste your money. The most important use of a residentail ac/heating unit is to make the temperature in the house comfortable. Anything above that is icing on the cake, and it sounds as if your system probably is sufficent for most residential purposes.
I'm not familliar with yor specific system, but Carrier is one of the most frequently used brands of air handling systems, both for residential and commercial applications. I've seen carrier systems used by many high end office builidngs that could afford to, and would use, the best systems available.
I'm not saying that electrostatic sytems don't work, but they don't work as efficently as a HEPA filter (they do not remove particluate to the degree that a HEPA filter does). But, for your use, do you really need the efficency of a HEPA filter? Probably not. Your system probably removes a lot more dust from the air than a system without the precipitator. It will also probably extend the life of the unit as a whole.
Also, most standard air handling systems, especially residential, can not handle a HEPA filter, unless they are specifically made for that purpose. A HEPA filter is basically made of paper with very small holes in it. As such, it creates significant impedance to the air flow and will burn out standard fan units. Electrostatic preciptitators do not have this problem.
Humidification units can take contaminants from the water they use and intorduce these contaminants into the air. The most common/serious concern with humidification is the aerosolization of Legionella bacteria (the causative agent in Legionaires disease.) Therefore it is extremely important to maintain the unit correctly. If there is microbial growth in the system, it is very likely that this will be put into the air, and you may be exposed. Also, tap water is not pure, so even if there is no additional grwoth within your system, the contaminants can be coming in in the water itself.
Any time I do an assessment in a commercial building with a humidification system, I recommend that they stop using it, unless it is is a requirement for a specific purpose, such as to keep a specific humidity range in an equipment room. Otherwise, the potential liability is too great.
In your house, if you are maintaining the unit correctly and you are not getting sick, and are happy with the humidification, that's great. But, you should be aware that there is a risk.
I'm very sceptical of the UV systems. UV light is used to kill microbes (bacteria, fungi, viruses), and it is effective if used appropriately. I don't know if the minimal exposure time that the home systems have would be effective. I probably wouldn't hurt, but for the cost, I think it's unlikely to be worth it.