I'm trying to recreate an effect I've seen a few times where some text is placed over a background image, and the fill opacity over the background image is transparent but the fill of the rest of the text stays as normal. Also the stroke of the text doesn't change, essentially giving an outline over the image and filled text outside of it.
Here is a reproduction of the effect I was able to emulate to give an idea of what I mean.
I was only able to make this work by turning the text into shapes, then setting the fill blending mode to difference. However this only works with black text and nothing in the background. As soon as you change the colour of the text, or put anything else behind the text the effect changes and doesn't output the desired effect.
Any help would be appreciated. Ideally keeping the text as a text layer, but it's not the end of the world if it has to be turned into shapes.