I'm not sure it works like that? I'm sure the more experienced photographers here will be able to give you an explanation why/why not.
Anyway...I think the key point here is that you need to make a decision about your learning curve and what it is that you want to get out of your imaging.
One-shot colour cameras are much easier in terms of capture and processing. The downside is they don't offer the same result as a mono ccd combined with filters and filter wheel.
You need to make a choice about what your plans/goals are and go from there.
Also, what sort of imaging do you want to do?
There's absolutely nothing wrong with using a one-shot colour camera. It certainly makes life easier.
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