Does it harm your car to turn it off with the AC and or Radio still on?

No it doesn't.
Does it harm your car to turn it off with the AC and or Radio still on?
No, during cranking, these accessories are not powered, and it will not cause damage to a vehicle to have them on.
Does it harm your car to turn it off with the AC and or Radio still on?
no, but it may kill your battery if there on to long.
Reply:No, but it may run your battery down if you leave them running and the engine is off.