I feel that - “guys” is a familiar enough habit that it still takes conscious effort sometimes to use “folks”. “Pal” in my experience comes across a lot like “champ” and doesn’t help the conversation.

My grandmother used to scold me that I was to call women “miss” unless corrected, along with other proper manners from decades before me. The idea that it’s important to respect people and address them in the way that helps them to be comfortable is what the real takeaway is, but it’s tough to shake those habits sometimes.