I use plain eraser LOL. xD
But Pen tool is very helpful, as it lets you curve and make adjustments easily.
With background, what I do is usually I just cut it out on a black bg first (or if it's dark, white), switch to a white bg (or black if I've just used white) to get at the stuff I missed with a black bg, and then switch to maroon to see if it's turned out well.