the trouble with the way science is taught in schools is that they don't teach it as something you do in your daily life to answer questions. like 'does AC cause more drag than opening the windows?'
well, i'm probably not that abnormal in the experience of having driven in a few cars with different size engines and air conditioners and windows (not all of them had air conditioners, they all had windows) and i've never been in a car where turning on the AC didn't cause an immediate and obvious load on the engine, and i've never been in a car where opening the windows had any noticeable effect on the engine/speed/power.
for example, take my current car, a (now aging) honda civic. small, aerodynamic, other side of the scale from the big flat SUVs you mention; if there were any significant aerodynamic effect from opening the windows this would be the car to see it. particularly at the speeds i drive.
on the other hand, the AC is quite puny. of course so is the engine, so it's very sensitive to increased loads.
well, turning on the puny AC is such an added load on the engine that I actually use it as a drag brake on a long steep downgrade during my daily commute. at idle, of course, you can detect the idle speed drop when you hit the AC button; despite the gadgets that crack open the throttle etc. to carry the load. not a huge load, mind you, but significant. that magic 10% plus or minus 5% that people always assign to such things.
on the other hand, even with this car and ungodly speeds, when i open all the windows at once quickly, thanks to the miracle of electric windows and a big hand, no effect at all on the engine note, the speed, anything; whether the sunroof is open or shut. my hand isn't big enough to reach the window switches and the sunroof switch at once.
but if i can't detect an effect of opening the windows on an aerodynamic car with a small engine at high speed, i doubt it's going to have an effect on an SUV with a V8 at 65.
as for the obviously more significant actual real world effect of using the AC on my gas mileage, comparing fillups on weeks when it's been AC all the time versus weeks when it's not: no difference immediately visible (i should mention that i'm enough of a nerd to have a spreadsheet which graphs the gas mileage for every fillup and i never miss updating it, so i would see a systematic drop if there were any) Maybe if i were to do a huge metaanalysis over all the years i owned the car i might seem some fraction of an MPG, but clearly, the variations from one fillup to the other in terms of how many errands i run in the city vs whether i drive an extra 20 miles on the highway are enough to swamp out any effect of the AC on mileage.