It's a distinct human being.
Oh really? Can it tell you what its name is?
Also "it" implies that you don't know if it's male or female.
So it can't be a distinct human being if you don't even know its gender, which you've said is how people are defined...by their gender at birth, right?
So how could a fetus be a "distinct human being" if it hasn't even developed any sexual organs that can define its gender?????
(This is me using your own shitty gender argument against you)