First of all Welcome to the site .. there are alot of knowledgeable people here ...

As for your question about cream or half and half .. for cerial, I use unsweetened soymilk (with a touch of splenda, or artificial sweetener), or a product that I found in a health food store here in Wisconsin .. called Keto-milk .. both are the consistancy of milk, and gives the feeling of milk with cerials ..

Just had to put my 2 cents worth in ..
Hope to see you floating around ... and again -- welcome!!!