Watto,
If you don't want to use or aren't using BPP, then the tool to use is Resample. Resampling is a simple step, but absolutely critical if you shoot 2x2 binned RGBs with a 1x1 binned luminance. Assuming you are shooting RGBs binned 2x2, then you just open the tool and double the size of your RGB image in both axes. After that they have the same scale as the 1x1 luminance and everything else should work just fine.
Jim