Worrying about how to pronounce works like “bombardier” and “chocolatier”. Should these be said like “choc-o-lat-i-er” with a naff 6th-form French accent? Or, like “chocolateer”, which has a jolly-hockey-sticks weird 1950s vibe to it. Usually end up either (1) trying to find a compromise pronunciation, which is futile and ends up being incomprehensible, not least because the two pronunciations have different numbers of syllables, and them mumbling it anyway; or (2) obscuring the clarity of my sentence in a fog of “I’m not quite too sure how you say this, but”, “or however you say it” and similar hedges.
A similar argument applies to the word “Pho”.