Hi Ken,
Isn't the luminance required for a certain level of detail?
Our vision system has evolved to perceive detail through the luminance, not through the chrominance. In this sense it is true that most of the detail that we perceive in an image comes from the luminance component. However, I see no reason for which we could achieve more detail by acquiring luminance and chrominance separately. The presence of small-scale structures (which support the high-frequency image components that we (humans) identify as 'detail') in the final image will depend on a variety of factors (seeing, focal length vs. pixel size, aperture, quality of optics, focusing accuracy, ...) which are all of them invariant to the fact that we acquire RGB or L+RGB.
It is true however that acquiring luminance separately you can achieve deeper images for a given exposure time, as a clear filter allows more light passing through, and hence you can accumulate more light in less time. In this sense, if time is a constraint then you can 'acquire more detail' with a separate luminance, so to say, as by going deeper you'll increase the SNR.
But it is also true that if you accumulate more luminance then the final image will lack chrominance, which has two consequences: some dim structures will have no chrominance support (they will be grayscale), and a low chrominance SNR will force you to stretch the chrominance to the point where chrominance noise can be objectionable. For this reason the chrominance is usually acquired in binning mode (2x2 binned pixels for example are four times more sensitive) at the cost of decreasing spatial resolution in the chrominance.
We have discussed the LRGB vs. RGB topic before on this forum. My personal opinion is that LRGB is only useful to save time, but the best results can only be achieved acquiring pure RGB with lots of exposure time. When time is the main constraint, LRGB with binned chrominance can be the only option to achieve the required depth. For HDR color images however, I still recommend you acquire only RGB, for the reasons I explained in my previous post.