onLoadIndividual does not use exclude options

[creativecoder]

When I set onLoadIndividual, and then open a file locally that is excluded and doesn't exist on the remote, I get an error.

For example, if I exclude .vscode, and open .vscode/tasks.json, I get the error

change_dir "---/---/.vscode" failed: No such file or directory (2)

It would be better if onLoadIndividual (and onSaveIndividual) respected the exclude options that are set.