Earlier quoted context omitted.
I care zero, it's still "F stab" to me. And URL is "earl". But despite favoring the short version for those two, I always spell out every letter of SQL, and pronounce etc as "et cetera". None of it is consistent or rational and it doesn't matter because pretty much all of the time people know exactly what you mean. Perhaps I was lucky that one of my first bosses who'd been using UNIX since the 80s pronounced vi like…
I once worked with someone who pronounced SQL files as "squalls". That was the weirdest and most creative pronunciation I've heard.
At $PREVIOUSJOB I worked with a guy from Boston who pronounced "query" as "quarry". But he had a lot of bizarre pronunciations, so we just let it go. And not just because Boston, either.