Most people pronounce it like on Forvo, without the first U, but some people do say it like the Voice does, with an audible u.
Who needs this comma? I don't like commas, I would rather excluded them from languages at all
A comma delimited list can contain the word and within some of the listed items. Omitting the final comma can create an ambiguity. Duolingo doesn't observe commas though, so it does not matter here. You incorrectly used a comma in your comment, despite your dislike of them :)