Lack of FDA approval was just a convenience. I see many asking for links and other info on FDA shortcuts and other talking points to justify still not wanting the jab.
It was never about FDA approval (or lack thereof). It was always about a >98% survival rate - for a cough.
The argument is 1) you have an immune system, 2) you believe in natural immunity, 3) the substantial list of documented side-effects doesn't outweigh a 2% chance of dying from covid.
My argument is: 1) It uses the flesh of murdered babies for the development, testing, and / or production of the vaccine. 2) The fact that they are trying to make sure that you can neither buy nor sell if you do not have the vaccine, makes it far to close to the mark of the beast for my comfort. Though I do not believe it to be the mark (yet) I do believe it is the preparation for the mark. People are now conditioned to believe it is okay for the government to force you to do something to your own body ("for everyone's protection") and to punish you if you do not follow the order to do so. So, no - I will not be taking the vaccine...
That's your reason for refusing the vaxx, and it's a good one, but it is not persuasive to those who don't care. You're making a moral argument to those who have none.
The argument also fails if the vaxx can be made with no fetus cells. But really, you do not have to justify your choice, because in the end it is yours, and only yours.