In determining the resources of an individual (and spouse, if any) who meets the conditions specified in Sec. 416.1260(a), either the State plan resource limit and exclusions (as specified in Sec. 416.1260) or the resource limit (as specified in Sec. 416.1205) and exclusions (as specified in Sec. 416.1210), whichever is most advantageous to the individual (and spouse, if any) will be used.