My refurbished X does not let me go to settings. When I turn it on it goes to ios 16.2 update and there's a blue link "install now" but tapping the link does nothing. the little wheel has been spinning for an hour.

There are several ways to fix an iPhone stuck on iOS 16 Preparing Update. These include deleting the update from the iPhone shop and then trying to update the device again, force restarting your iPhone, or updating via a Mac or PC. To delete the update, go to Settings > General > iPhone Storage, select the update, and then tap ”Delete Update” delete it. After it is deleted, go to Settings > General > Software Update to download and install the update again. To force restart your iPhone, press and hold both the Sleep/Wake button and Home button for at least 10 seconds until you see the Apple logo. Alternatively, you can use a computer to bring the latest iOS 16 by connecting your device to a Mac or PC with a USB cable. Update software on iPhone, iPad or iPod touch in iTunes on PC – Apple Support (UK)