Black and White with Leica M-D (Typ 262)

I'm somewhat convinced that it's not worth to have both MM246 and MD262 to support black and white and color workflow. I'm yet to try using filters, but something tells me that those days are over and I will have to do all the magic in Capture One now. The derived black and white unfortunately relies on all of the color pixels to be lit. If  I decide to put a red filter, which essentially makes blue and green to be blind to almost all of the light, I'll lose all the detail. On the other hand, it is nice to make the decision of keeping the color, making a black and white image or a black and white image as if it was shot through a color filter later.