Read this thread for a data driven comparison of OSC vs Mono.
https://www.cloudynights.com/topic/682340-monochrome-vs-one-shot-color-%E2%80%93-by-the-numbers-please/For both OSC & Mono cooled cameras will get you more accurate darks that you only need to shot once per exposure time.
Also it depends on which OSC. I upgraded my DSLR to an ASI294MC_Pro, so colour & cooled with a decent size sensor and a Pixel size of 4.63 (which is a critical factor). The improvements were huge. It is way more sensitive and of course does not need to be astro modified. In bortle 5 skies or worse you need an LP filter. I use the Optolong L_Pro. For targets with nebulosity use a triband filter like the Optolong LEnhance.
You need to match your pixel size with your scope, but 4.63 is a good balance for long & short focal lengths. If you are going to shoot mainly wide angle (less than 400 FL) then get a smaller pixels.
The difference (not advantage) between the OSC and Mono is not mainly about number of photons collected or about detail (see the link) . If you want to more photons get a faster scope (or a longer FL + a reducer)
OSC are more time efficient, in that if you only get a few hours between clouds then you can use what you have. If you shot LRGB you run the risk of abandoning a set and running out of time. Plus you spend less on equipment and don't have to worry about refocusing between filters or collecting separate flats and darkflats. But you can't do narrow band properly (although you can do pseudo NB).
Mono Can do everything an OSC can do but is more expensive and requires more time and planning. Plus you can do Narrowband and Hubble Palette and all that good stuff.
After 2 years with my OSC on an F7 refractor and a C8 in the cloud affected UK , my next step is an F2 RASA. That will get me over 10 times more photons, so I can get the equivalent of 4 hours integration time in 24 minutes and will not support a filter wheel, so ideal for my OSC.
When that route is exhausted I may go for mono + filter wheel. I may also trade in my automatic car for a stick shift and abandon my MP3 files for vinyl all of which are superior under particular conditions.
Max