No Stupid Questions

As others have already said, you go with the initial sound rather than the written letters. The written word is mostly built around conveying speech, so the rules fit what you would use if reading out loud. There are plenty of cases where writing conveys other cues than verbal, but the core of it still applies to sound.

That actually applies to most punctuation as well, depending on how one defines "most".

Any initialism is going to be counted as the first letter being a word for the purpose of a/an usage, when said letters are pronounced as letters. In the case of RTS (an initialism), you wouldn't ever say it as a word, unlike RAM, which is almost always pronounced as a word and is thus is an acronym. That's the difference between those things, btw. We tend to call all of them acronyms, and that's okay, but there is a difference.

Which is more comfortable to say? It's that one

As a gamer, I’m going to assume RTS stands for Real-Time Strategy. I read somewhere a long time ago that just because a term is in the form of an acronym, that doesn’t change what comes before it. So in this case, it’s proper to use ‘a’ rather than ‘an.’ However, I acknowledge that saying ‘a RTS’ sounds icky, so I tend to use the “incorrect,” ‘an RTS.’

It’s not about being a consonant, it’s about starting with a vowel sound. So you’d use an

It's based on how it's pronounced, not written, so it's "an R-T-S", or "a real-time strategy game".

The general rule is to go by sound.

Read aloud, RTS is pronounced "are-tee-ess", so it starts with a vowel sound, so it's "an RTS".

The same rule also applies to regular words. For example, "an hour" is preferred because the "h" is silent.

An RTS.

Acronyms are generally proceeded by "an", not a.

Merriam-Webster states that "the deciding factor for which of these words should be used is the sound that begins the word which follows the indefinite article, rather than the letter which does." So "an RTS" or "a real-time strategy game" would both be appropriate.