Bass frequencies take far more power to reproduce loudly than the rest of the audio spectrum.. Fifty watts through decent speakers is stunningly loud, particularly in something as small as a car interior since it's almost like being inside the speaker cabinet..
As long as you don't have a monster sub shaking the neighborhood the radio, even loud, isn't going to draw enough power to worry about..
As for the AC, a lot of the energy goes into removing moisture from the air if you live in a humid climate. If you have your AC on then keep the air control on recirculate so that you don't have to continually dehumidify outside air, once the air in the cabin is dehumidifed, the AC load will drop considerably..
Dry air at the same temperature feels cooler than humid air.
Making sure the cabin is sealed so that little outside air leaks in would be one way of making sure the AC works as efficiently as possible..
Something like Insulatir on the windows would help considerably too..
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