Rosemary, you are strong in your beliefs and I accomodate you for that.
As a fellow Atheist, I believe that my life on this earth is all that I have. When it is over, it's over. I respect my life and the lives of all human beings the same way. The point that all of our lives began was at the point of conception, and I think it is out duty and obligation to protect that life.
And no, toenails and tumors are not at all to be compared to a human embryo.
[Regarding the personal story you posted about the conception and birth of your daughter.]