Okay since no one has given a technical answer.....
Turning on the AC uses an accessory that is belt driven. Sinc ethe Xterra has many belts and not a serpentine belt it can create different amounts of friction on your engine.
Think of the performance gained by using an electric fan rather than the belt-driven clutch fan. When your AC is off it has less friction and less rotating mass, when its engaged, you hav emore drag on the engine, not to mention the engine is trying to push it too.
Not all cars are as dramatic, but usually lower power vehicle feel a greater effect.