pets, carpets, can all contribute. some asked 4 yrs ago about putting a dust filter on the case to keep it from getting inside, too.
the new car smell does get replaced and become everyday.
It depends WHAT you need it for, and of course whether you are where there are dust storms or an environment that gets more than its share.
If an iMac can do what you need and you also would need to invest in monitor displays, but Mac Pro can also add heat to a room, the processors and components need fans to keep things cool especially under heavy video and editing loads. And you've got higher end graphics cards.
If you are the type to get out Q-tips and clean until spotless or worry about the dust... take apart or check the surface, electronics act like magnets to dust. RAM will definitely show dust build-up, though maybe iMac is sealed to the point it is harder.
Question is, when does it become an actual issue.
Take any PC, easier to tear down probably but even Mac Pro is pretty easy to do. And graphic cards probably a good idea, too.
I've had mine for 4 yrs and with pets, dust, I have pulled out the memory tray probably twice in all that time. One graphic card was so badly designed it had to be pulled and cleaned every 3 months or its air chamber would get clogged and cause the system fans work harder because it would get warmer.
So yes, check it, and clean it once a year maybe. At least we don't have to look for or worry about cooling system leaks.
And thermal sensor readings are your gas guage to how things are working inside.
Making dust into a deal-breaker though does sound... extreme.