Not a stupid question at all !
I always imaged planets with a mono camera (better sensitivity, no interpolation, all possible filters) until I tried the color ASI224MC and I suddenly got tired of using WinJupOs!
The ASI 224, 185 and 178 color cameras have a very low noise, hence more acceptable gain to shorten exposures. You can have a stronger sampling rate to compensate for the interpolation.
In addition they can image in near infrared, like a mono one.
And about 75% less work thanks to color imaging is not to be neglected (in trichromy you have to separately stack and process each image, align the 3 images and process the resulting color image).
Another difference should appear with jovian moons, which lead to a trichromic trailing (like a small rainbow) in trichromic imaging with WinJupOs, while a color camera can shoot an equal number of frames about three times faster, leading to better snapshots.
For simplicity and performance, consider a color camera (224 is the best).
If you have an achromat or a semi-apochromat, consider a monochrome one.
Nicolas