I totally understand about being conditioned into a kind of 'fat phobia'
It takes a while to get over it, but worth persevering.
Low Carb Hot Choc Recipe:
Boil kettle.
Add a heaped teasp of good quality cocoa powder to a big mug (I use Green and Blacks, but any pure cocoa powder will do. You just want cocoa in it, no powdered milk or sugar on the ingredient list)
Add 1.5 ish heaped teasp of sugar substitute to mug
Make the powders into a paste with a dribble of water (get rid of the lumps)
Add boiling water and stir until smooth
Top up with double cream (like putting milk in a cup of tea).
Add caramel, lemon, orange or mint essences, if desired
Enjoy
Wow !! Thank you SO much , that will be my treat , and I'll but some essences too
All quantities adjustable