not sure on the feasibility of a formula based approach given restrictions on DV (intersections etc)
if feasible, another option would be to use a change event and effectively allow the "exception" through
edit: so, important caveat, what this means is - it does not add this default as an option to the DV list itself but, rather, it allows the user to type in Product Not Listed without raising an exception
to illustrate - right click on sheet holding the DV list, and paste below into resulting window
note:
-- you must modify rngDV to be wherever the related DV cells are (below is simply set to Column E)
-- you need to disable your error alert on the DV itself, and rely instead on error trap in below code (so, again, modify per own requirement - i.e. aping whatever you had in your DV error msg)
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