Recently I have been confusing these grammar points on my reviews, due to their similarity. Although its possibly just the way my brain works, but I find it helps to have a clear distinction between them, to avoid confusion. So I made little list to put in my notes…
と:shows a complete list.
例文:お茶とコーヒー があります (There is tea and coffee).
や:shows an incomplete list.
例文:お茶やコーヒー があります There is tea, coffee… (and possibly other beverages).
とか:does not necessarily imply a list, but implies that there things similar
例文:お茶とかコーヒー があります。 There is tea or coffee (or something similar to those).
など:shows related examples, which can also apply to incomplete lists
例文:お茶やコーヒーなどがあります。 There is tea, coffee… (and possibly other similar beverages).
What are your thoughts? Is this a safe way to think of these, or is there a better distinction to be made? I just want to be safe and not dig myself into a hole, by learning something incorrect. ^_^’