In North America, worry most often rhymes with furry, blurry, and slurry. That’s the same vowel as in fur, blur, and slur ’round these parts. This is also the same vowel as the one in yer, per, purr, her, sir, sure, fir, burr, knur, slur, whirr, and were. In fact our worry sounds pretty much just like “were” with an extra -y tacked on to the end. Now just add a d for worried, and you’re done.
In contrast, the North American worry usually does not rhyme with any of sorry, quarry, lorry, berry, bury, curie, carry, Carrie, dairy, ferry, glory, Rory, story, cherry, Terry, tarry, very, wary, weary, marry, merry, Mary, Harry, or Laurie — nor even with Larry, Moe, or Curly.
Lastly, the North American worry almost certainly does not rhyme with an Indian sari.
Beyond that, your mileage may, can, will, and surely shall vary. And why sure, I could give you the IPA for my version of worry and worried (respectively /ˈwɜɹi/ and /ˈwɜɹid/), but you said you don’t understand IPA symbols. This makes it next to impossible to talk about pronunciations, because you have no symbolic way of specifying pronunciations. That’s probably why you’ve received no answers yet.
However, even if you did know what the IPA symbols actually meant, they might not do you as much good as you might think: many of those words themselves have multiple possible pronunciations, depending on various mergers and regional accents.
The best I can do is give you rhyme-sets, but mine and thine are surely miles, leagues, and even oceans apart, so what good would that do you if I did? So I can’t tell you how you “should” pronounce worry, per your request. Then again, nobody else can do that either, so I don’t feel so bad.
At best, I can only tell you how I do so. Which is what I’ve tried to do.
I guarantee you that many people reading this won’t pronounce all / many / some / any of these the way I myself do anyway. So please don’t think I expect you to pronounce it like me, of course; I expect you to pronounce it like worry. :)
All joking aside, I don’t know what more you are looking for here. You may wish to update your question a bit so that it can be answered.
The /n/ in IPA is never a mark of nasalization of the vowel preceding it. It always means your tongue is touching the tooth ridge and air passes through the nose. Therefore it is a nasal consonant. Vowels before a nasal consonant are technically nasal through assimilation, but in English, unlike some other languages, there is no phonemic distinction between nasal and oral vowels. Therefore you should not worry about it.
Both "dune" and "sun" end with the same sound, the only difference is in the vowel. The UK english pronunciation of "dune" differs slightly from the US: /djuːn/ vs. /duːn/. The IPA for english words does not mark nasalized phonemes in diphthongs because, again, there is no phonemic distinction between nasal and oral vowels in English. Perhaps you perceive a difference in the final "n" sound because the vowel in "dune" is a long vowel? Because of assimilation, you think the "n" sound is different: the only difference is in the duration of time air passes through the nose, the position of the tongue should be (more or less) identical.
The degree of nasalization of the diphthongs in "find" and "saint" will vary from person to person, and personally I hardly nasalize them at all.
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Best Answer
I think that the honest and direct answer to the question is that native English speakers will guess, probably painfully incorrectly to a Vietnamese ear, "lee" or "lay," and "bow" (as in "tow"). Americans will sound dipthong-y in most variants.
If the native speaker is American, older, and (probably) male he may assume that the pronunciation he remembers acquiring as a soldier 40-50 years ago must be right. If he cares deeply, he may go down the street to the Pho Dang restaurant, ask the proprietor, and continue to pronounce as shown above. (But he will feel better about it.)
If the native speaker achieves correct pronunciation, it would be commendable. But the pronunciation would no longer be that of a "native English speaker."
It sounds terribly cynical, and it's certainly not scholarly, but few native English speakers of my acquaintance - be they Americans, British or Australians - do justice to the pronunciation of other languages.
Canadians are an arguable exception: a truly bilingual Canadian switches gracefully between English and French.
(However, I understand that my Parisian friends may not readily accept the language spoken in PQ as "French"!)