Hi Beav
Milk will spike you, it does me and we were told on DAFNE that people were told in the old days to treat Hypo with a glass of milk, and I know a lady who still uses this and it is good for her.
Milk contains Lactose which is a sugar formed from galactose and Glucose so you may need more for milk ,than toast???
I find my insulin needs are greater in a morning than later in the day, as Catwoman rightly says there is DP, I also run in a morning so have to account for the afterburn with my doses later in the day...could this also effect you around the times you work out??
Some people just need more insulin than others, depending on their sensitivity to it and how active they are ect. If you figures are OK I would not worry how much you inject.
Hope this helps