B&W gradient rectangle (vector shape) as editable “blend” layer mask
I am coming from Adobe Fireworks world (like 10 years old discontinued app!!!) where this kind of operation is quite simple and very easy (I create vector rectangle, apply gradient to it, copy it, select my image I want to mask and "paste as mask" [CTR+ALT+V] - voila, that's it with the gradient editable all the way even after closing and reopening my document!).
Is there a way how to have my vector rectangle (shape drawn by the Rectangle Tool in the palette) with black and white gradient as its color used as a nice blending layer mask so that the editing would be such and easy yet exact nondestructive task to do (just change gradient values of the rectangle) compared to destructive (definitive) lame way of using Gradient Fill Tool where you just draw "by the eye" kind of hokus-pokus "guess and try" approach (not editable once done: you have to redo it all the time with new strike-thru)?
And, BTW, technique of clipping the image to the gradient as clipping mask does not work for images with transparency, like image of rain where only drops are visible, cos you do not have any underlaying bg color for the gradient to set as bg is normally some sort of image (thus not one single color to chose that would be set as opaque for the gradient)
I spent like half a day searching internet but to no use...

