>>3524638Rod cells affect perceptual saturation - since they're more sensitive than cone cells, in low light the eye loses saturation until we can't distinguish colors at all (e.g. in moonlight), while a Bayer sensor camera retains colors as long as noise filtering doesn't mess them up.
And the point isn't that camera filters don't overlap, it's that the sensitivity peaks are spread evenly across the spectrum and the overlap is more or less even. ("Monochromatic" narrow-band photosites, even if they existed, would've been useless for photography as they wouldn't register in-between wavelengths at all - e.g. a photo of a rainbow would show three thin lines)