Try this Loaded Baked Potato Soup recipe, or contribute your own.
Traditional baked potatoes require an hour or more in a hot oven, but microwaving russet potatoes for 12 to 15 minutes cuts preparation time down drastically while yielding the exact same internal starch conversion. Piercing the skins deeply with a fork prevents steam explosions inside the microwave cavity. Cooking the bacon first yields rendered fat that replaces a portion of the butter, building a savory foundation for the aromatics without wasting ingredients.
Whisking all-purpose flour directly into the warm fat creates a blonde roux. Slowly streaming in cold milk and half-and-half while whisking constantly prevents the starches from clumping into raw pockets of flour. Simmering this dairy-and-broth base for 5 to 7 minutes activates the flour's thickening properties before the cheese and sour cream go into the pot. Direct high heat causes aged cheddar to break and become grainy, so remove the vessel from the burner entirely before stirring in the dairy.
Lactose intolerance or dairy sensitivities require simple swaps rather than a complete recipe overhaul. Unsweetened plain almond milk or oat milk substitutes for the low-fat milk, though the reduction in dairy fat means the final consistency will lean thinner unless compensated with an extra tablespoon of flour during the roux stage.