HI,
NIR is normally combined as a luminance channel with the RGB as NIRRGB, however, as you already have Luminance you have the following options which are both worth trying.
Create synthetic Luminance by combining L + NIR1 + NIR2 + NIR3 then combine with RGB
OR
Create synthetic Luminance by combining NIR1 + NIR2 + NIR3 then combine with RGB and ignore the Luminance that you already have
Hope this helps
Dave