The usual statement statement is confusing in my opinion. No acceleration means not net force, not necessarily no force at all. In your car example, the car is generating force on the ground with the tires. It just so happens that it is exactly equal to the force the air is applying in the opposite direction (drag). If one of those 2 is stronger, the car will either accelerate or slow down. The car as a whole has not net force applied to it, but is still feeling more stress on the components as you get to higher constant speed, because both forces, while still equal, are stronger (more drag and more torque from the motor). Also, energy on the other end depends on speed, not acceleration. Energy can be visualized as the amount of damage in a car crash, as material deformation absorbs energy.
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