Loaded Cheesy Cauliflower Soup

Name: Loaded Cheesy Cauliflower Soup
Prep time: 20 min
Cook time: 25 min
Total time: 45 min
Cuisine: American
Ingredients: 1 tablespoon olive oil; 1 cup diced onion or leeks (about 1 medium onion or 1 large leek); 1 cup diced celery (about 3-4 medium stalks); 1 cup diced carrot (about 2-3 medium carrots, peeled); 3 cloves garlic (finely minced (or 1/2 teaspoon garlic powder)); 8 cups chopped cauliflower florets (about 2 medium heads cauliflower (see note for frozen or riced cauliflower)); 4 cups chicken or vegetable broth; 1 teaspoon salt (I use coarse, kosher salt); Pinch of black pepper; 1 cup milk; 1/4 cup all-purpose flour (see note); 1 cup shredded sharp cheddar cheese (see note); Cooked (crumbled bacon); Chopped chives or green onions; Sour cream; Shredded cheese