I use the pen tool for pretty much everything.
I'll ise the hoop if I'm just dragging a chunk of something from one section to another, but I've never liked any other method for detailed cutouts as much as the pen tool.
It also gives you the freedom to 'ignore' any bits you find you don't want as you clip round your object.
There ar ea number of different automated ways of clipping things & masking things, but I always come back to the old fashioned pen cut out...