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Monkfruit gives me horrible.. internal effects. Not workable, unfortunately. Ymmv.

Are you sure it was 100% monkfruit extract? A lot of the “monkfruit extract” products out there also include other stuff like xylitol or stevia which also gives me stomach issues. 100% monkfruit extract has not given me issues though.

Just milk and cacao powder is good too, though both milk and coconut cream contains some sugar.

I also add turmeric and cinnamon. There's always a bit of sludge at the bottom.

I use coconut cream, instead of bulletproof-style coconut oil, because I need my morning coffee to be somewhat palatable.

My understanding is that Cocoa has a lot of oxalate in it, so maybe be careful / do your research / ask doctor before consuming a lot of it.