Clipping Layers/ transparency Lock
I use clipping layers as much as possible to keep things nondestructive and also editable with blending modes and opacity. I will often Alt-click in-between layers to clip the top one to the bottom instead of using the drop-down menu from right-clicking. There is also the option to use the transparency lock on the layer which enables you to paint directly on the visible pixels. I have the shortcut ‘/’ mapped onto this and even have it as a button on my Wacom.