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 the first two letters in violin. First and only guy I ever met who said it that way, but we all still knew what he meant.