Thanks for answering. :D
Saw it works as long as it's click & drag. Not quite the same as the other 2 programs but good enough though. :P Didn't expect that to work (groups and all). Cool! Finally saw that option was buried in a right click menu to create spare alpha layers. A bit odd, should be there as a button. Finally saw the fill layer, though it should be in the layers panel as an option, not a rarely seen menu item. Also of note, APhoto read it just fine as a fill layer, but it disappears when saving the PSD and opening in Photoshop. :( GIMP also had it disappear so it's just something to note when switching programs.