Half-and-Half (Best Option)
1 cup per 1 cup whole milkHalf-and-half contains about 10-12% fat, which is closer to whole milk's 3.5-4% fat but adds a bit more richness, enhancing the mouthfeel of chili without overpowering the spices. The fat helps carry flavors and provides a smooth texture.
When using half-and-half, stir it in gently and avoid boiling aggressively to prevent separation. It integrates well during simmering stages.
Compared to whole milk, half-and-half results in a slightly richer chili with a silkier texture, making the dish feel more indulgent but still balanced.