You don't need a full fledged theory of quantum gravity to describe Hawking radiation. Quantization of the gravitational field isn't relevant for that phenomenon. Similarly you don't need quantum gravity to describe large elements. Special relativity is already integrated into quantum field theory.

In some ways saying that we don't have a theory of quantum gravity is overblown. It is perfectly possible to quantize gravity in QFT the same way we quantize the electromagnetic field. This approach is applicable in almost all circumstances. But unlike in the case of QED, the equations blow up at high energies which implies that the theory breaks down in that regime. But the only places we know of where the energies are high enough that the quantization of the gravitational field would be relevant would be near the singularity of a black hole or right at the beginning of the Big Bang.