Crush the Oreos until they achieve a fine consistency, resembling crumbs. Transfer the Oreo crumbs into a bowl and set aside.

Combine 6 oz of milk chocolate chips with 1/4 cup of milk in a microwave-safe bowl. Microwave in 30-second intervals, stirring after each, until melted and smooth.

Press one-third of the crushed Oreos firmly into the bottom of a 9x13 inch pan to create a solid base.

In a mixing bowl, beat the softened cream cheese until smooth. Gradually add the vanilla pudding mix and peanut butter, mixing well. Slowly pour in milk and beat until silky and creamy. Spread it evenly over the Oreo base.

Sprinkle another third of the reserved Oreo crumbs over the peanut butter layer and gently press them into the filling.

In a clean bowl, beat the remaining cream cheese, chocolate pudding mix, and cooled melted chocolate mixture. Gradually incorporate milk and mix until smooth. Pour this chocolate pudding layer over the Oreo crumbs, spreading it evenly.

Sprinkle the last of the crushed Oreos on top of the chocolate layer, distributing it evenly.

Top the dessert with whipped topping, smoothing it with a spatula. Optionally garnish with chocolate chips or chopped peanuts.

Cover with plastic wrap and refrigerate for 4 to 6 hours, or until set completely.

When ready to serve, cut into squares and plate, adding any optional toppings.