That sounds more chav than ghetto that way!!
Thing is, this is the ONLY thread I have seen people surround 'gurl' with ghetto chav speak at all... Most threads here it's like there are some crossdressers who don't feel like they can actually call themselves girls so they call themselves and others gurls. I think either term is something you really have to own to use. There is something ridiculous IMHO about a 70 year old GM going, 'hi gurls! How are you today?'
As a GG, I officially give you all who are afraid to use it, permission to say the word girl in reference to self and other cross dressers/tg instead of gurl.