You could use the value of the car as a base. Untill if the car is worth nothing then tow its annoying but so id waiting for someone to come back from whatever. but if it's a cybertruck tow it then 1% if new would be $1000 plus lot, tow and admin fees.
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Perhaps my Prius is different but the AC doesn't turn off when I stop. When the car is not demanding power it runs off the battery this includes the AC. The engine comes on when I sit for too long but I assume that would be the case with any start stop system. With the windows are down your not going to get much cooling anyway. The age of that Prius could also do with a refilling the AC coolers if they are not getting the temp down. This is such a weird point to run on and one that has been solved with newer cars.