Hi Ricki,
Excellent suggestion. However, if the image or photograph is in one layer or only a background layer, then to isolate the background will require a selection.
Once you have selected and deleted the background, you can promote the remaining portion of a background layer to a full layer. Then you can add another layer, move in under the promoted layer and change the background at will. As you suggest, the layers pallete has all sorts of neat features.
mike