Hi lee,
How much time do you have for imaging? Remember your mono cam would need separate exposures for red, green, and blue and possible a luminance also. So add 3 filters imaging time, and not to mention the cost of the filters and probably the filter wheel also ( you mentioned limited budget ).
If you have the time, and can extend your budget to cover the filters etc, go the mono. Otherwise the OSC is a safe bet.
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