I suppose you're right. Vacuuming frequently to keep dust from accumulating in the first place, and cleaning your vacuum frequently is also important. Me personally, though, I probably don't vacuum as much as I should (and yes that's coming from a collector of all people). Partly because I'm procrastinating, partly because I'm not in the same house all the time, and partly because I'm busy. When I do vacuum, it's usually once every two weeks. I would do it every week, but again, I'm not in the same house every week. My parents don't really do it either, as they leave it to me since I'm the vacuum kid. When my family shared a house with another, I found myself having to do it every 3 days (much to the annoyance of everyone else in that house), otherwise the carpets would go back to the way they were. We also had backyard ducks, their hay and stuff would get tracked into the house, so that played a part in it too.
So yeah, it's a good idea to vacuum on a regular, frequent basis, but that's only so feasible. As for maintenance, I'd much prefer to have a vacuum that I don't really need to worry about constantly cleaning out. For the longest time, I'd just use whatever bags that I could find at my local grocery stores, those mainly being Filtrete branded paper bags, and as a result, the insides of my Hoover Windtunnels, Dirt Devil Featherlite, and others would be pretty dusty. That's why I pretty much only use HEPA bags in my machines nowadays. They let very little of the dust they pick up escape, and keep the inside/other filters almost spotless. And for bagless, if you were to hold me at gunpoint and tell me what kind I would recommend, I'd say to get one with a pleated HEPA pre-motor filter. Something like an F1 Bagless Dirt Devil, Eureka Whirlwind Litespeed, and other machines. Speaking from experience with my Breeze Bagless, the HEPA filter does almost all of the filtering before the motor, so that the air is already clean before it's exhausted out. No cyclones, no twin chambers, no weird filter components, just a HEPA filter. Basically, just do most of your filtering before the motor so that you don't really need to worry about motor damage or seals going bad.