AとB is an exhaustive list, whereas AやB and AやBなど mean A and B and more. (And
AとBなど feels inconsistent.) But is there a difference between AやB and AやBなど?

Aなど means 'something like A' or 'A and the like': removing 'など' would
substantially change the meaning. On the other hand, AやB and AやBなど are
(exactly / more or less) synonymous.

[Towards a better understanding of
など](https://japanese.stackexchange.com/questions/48518) is related but is
about Aなど rather than about AやBなど (it does not have a single 'や' in it).
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grammar nuances particle-と particle-や
Nuance between AやB and AやBなど?
**For all intents and purposes, I would say using them interchangeably is not
a mistake**. At least I would.

Now if you really want to dig deep, など is simply adding additional emphasis.

The translation is going to sound weird (because, again, they are pretty much
the same), but to give you a rough idea:

  * スーパーには、りんごやナシがあります。In the supermarket, there are apples and pears (and so on).
  * スーパーには、りんごやナシ **など** があります。In the supermarket, there are apples and pears _and so on_ (you're explicitly stating it).

Additionally, など carries the nuance of 例えば (for example):

  * スーパーは、りんごやナシがあります。(neutral, but implies you have other things too)
  * スーパーは、りんごやナシ **など** があります。( _for example_ you can find pears and apples, explicitly saying you have other things too).

The [大辞林 第三版](https://kotobank.jp/word/%E7%AD%89%E3%83%BB%E6%8A%94-347158)
states:

> など  
>  ① 多くの事柄の中から、主なものを取りあげて「たとえば」の気持ちをこめて例示する。

Which highlights the role of as emphasis in a sentence. I would add that it is
mostly a word you will see written / used in formal situations, and one could
argue that it is sometimes (overly?) used as a "stylistic tool" of writing
(〜や〜など sounds more formal than 〜や〜).
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