Preheat the oven. Set to 375°F (190°C).
Lightly grease a 9x13-inch baking dish.
Cook the chicken. Use leftover rotisserie chicken, poach breasts in salted water for 12–15 minutes, or roast until just cooked. Shred or cube into bite-sized pieces. Aim for about 4 cups cooked chicken.
Soften and mix the creamy base. In a large bowl, combine cream cheese, sour cream, and mayonnaise. Beat until smooth.
Stir in garlic, onion powder, smoked paprika, lime juice, 1 cup cheddar, and 1/2 cup Monterey Jack. Season with salt and pepper.
Prep the jalapeños. Seed and finely chop them. For less heat, remove membranes; for more, leave some seeds.
Optionally, sauté in olive oil for 2–3 minutes to mellow the spice and soften their bite.
Combine the filling. Fold the chicken, chopped jalapeños, bacon (reserve a little for topping), and any optional add-ins into the creamy base until evenly coated.
Assemble the casserole. Spread the mixture in the prepared baking dish. Top with remaining cheddar and Monterey Jack.
Make the crunchy topping. Toss panko with melted butter and a pinch of salt and pepper. Sprinkle over the cheese.
For a low-carb option, use crushed pork rinds instead of panko.
Bake. Place on the middle rack and bake 18–22 minutes, until bubbling at the edges and the topping is golden. If needed, broil for 1–2 minutes to brown the top—watch closely.
Rest and garnish. Let it sit for 5–10 minutes to set. Top with remaining bacon and sliced green onions.
Add extra chopped jalapeño if you like it hot.
Serve. Spoon into bowls or over rice, cauliflower rice, or buttered noodles. A crisp side salad or roasted broccoli balances the richness.