Loaded Potato Soup

Ingredients:
•16 ounces Beef Bacon, or bacon of choice
•½ Medium Yellow Onion, diced
•2 cloves Garlic, minced
•3 pounds Russet Potatoes, peeled & chopped
•¼ cup Unbleached All-purpose Flour
•3 cups Whole Milk
•2 cups Chicken Stock; I used Better Than Bouillon Roasted Chicken Base 2 Teaspoons + 2 Cups Hot Water
•½ cup Heavy Cream
•8 oz Grated Sharp Cheddar Cheese, divided
•Scallions, to taste
•Sour Cream, to taste
•Kosher Salt, to taste
•Black Pepper, to taste