Yes, I am using both. The color key does most of the work, then I use keylight on a simple choker matte. I’m pretty much ripping everything off of the keying method in video co-pilot’s advanced car hit: https://www.videocopilot.net/tutorial/advanced_car_hit/
Here is my before shot: https://www.flickr.com/photos/29537088@N00/4558342075/
And here’s my after: https://www.flickr.com/photos/29537088@N00/4558342081/
You’re right about his shirt being similar to the background, I’m just not sure what else I can do.
Thanks for your time.
-Dan