[cgriswald]

I pronounce etc in my head as “ets” as if you’re about to say “et cetera” but stopped short. I read etc. in print the same way and have since I was a kid.

I suspect that split pronunciation between head and mouth is very common. I do the same thing with some words, like giblet, which in my head has a hard g, but when I say it I say it with a soft g.