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OK...well here is what I did.

First I duplicated the background layer and then made a selection of the dog with the Quick Selection Tool going very slow to avoid selecting the outer edges of the photo which PS seems to want to do very easily.

Then I clicked the Select and Mask button and used the refine edge brush tool to go over the hair and bring out anything that was missed in the selection. I also clicked the Smart Radius button but am not sure if that really did anything. Maybe it did.

Then I went to Select > Inverse and then used a brush with black selected to brush over the entire image which made the background black except for the dog since the selection was inverted. Deleted the selection and saved as jpeg.

Maybe not the best way too do it and like I said I have to figure out how to get better at brining out the fine hair but that is what i did.

And BTW, I am in category 1) -- I have very little skill in PS but am trying to learn. I know enough to be dangerous but this masking stuff is difficult for me,