My general rule of thumb is to spend equal integration time on R, G, B and L. That means collecting (very) roughly the same amount of signal in colour and lum and hence balancing the overall SNR of the colour vs the lum. I don't have a mathematically rigorous basis for this but it seems like a sensible balance between the speed of luminance imaging and keeping richness of colour.
I have done straight RGB imaging and it works very nicely, but only for bright objects (unless you have unlimited time to throw at a each object...)
Cheers,
Rick.
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