Ray, the addition of luminance in PI is done in the CIE Lab space, so that the luminance info inhabits the lightness (L*) channel of the image. Though PI's processes continue to allow access to the L* after LRGBCombination, it's effectively a three channel RGB image. The reason that Photoshop can't open the image, is that neither FITS or XISF are native file formats for it, and all of its features can't really handle a 32-bit file. You can get a FITS reader for PS such as FITSPlug or FITS Liberator, but I'd recommend just saving the final from PI as a 16-bit TIFF. By that point, the header information isn't important, and PS can better handle a 16-bit TIFF, which is virtually lossless for further tweaking. I've found that PixInsight has replaced my reliance on PS.