You won't get flamed here, WE don't do that.
It's a great start, I like the 3rd one down and the 4th down (needs work on the fonts though, but then again they all do).
As to moving pictures, when you paste a picture it should go into a new layer. You should be able to move the picture without moving the background because pasting the picture creates a new layer. If it does not, create a new layer (click New Layer Button on bottom left toolbox), then paste the picture.
For fonts, www.dafont.com is the best, hands down. Or, wait until Hazanko (I think) replies. He made a HUGE fontpack that has hundreds of fonts (I use a lot of them). There is also a pack of fonts/brushes that Awal posted before, but I'm not sure how long ago.
Here is Awal's PackThat would be a great start.
As for brushes, www.deviantart.com has SO many. Just search for "brushes" or "photoshop brushes" or "fractal brushes" or "grunge brushes" or "natural brushes." Any brush you want, and they should be able to pretty much fit your needs.
For the normal eraser tool, do you mean you want, like, a square or a circle? Anyway, for the circle, select the eraser, right click on an open picture, click the circle with a triangle in it, and choose "reset brushes," or load the standard brushes.
To erase some stuff, you can just totally erase it and use the CLONE tool and the Healing Tool over the clone brush to make it look more natural.
Here, look at this pic that I did for the sig of the week. The pic was from behind the net, so the net was all over the goalie's body. So I used the clone tool and the Healing Brush to get rid of most of the net, although you can still see it a little (I could probably do better now, but I am better now than I used to be.

EDIT: Dammit, Camdog, I just said pretty much everything you did.