Step 1: Line a baking sheet with parchment paper. Arrange Ritz crackers in a single layer on the prepared sheet.
Step 2: In a microwave-safe bowl, combine unwrapped caramels and heavy cream. Microwave on high for 1-2 minutes, stirring every 30 seconds, until completely melted and smooth. Be careful not to overheat.
Step 3: Stir the chopped peanuts into the melted caramel mixture until well combined.
Step 4: Spoon a dollop of the caramel peanut mixture onto the center of each Ritz cracker. Gently spread it almost to the edges, leaving a small border.
Step 5: Place the baking sheet in the refrigerator for at least 15-20 minutes to allow the caramel to firm up slightly.
Step 6: While the crackers are chilling, melt the chocolate. In a clean, microwave-safe bowl, combine chocolate chips and coconut oil (if using). Microwave in 30-second intervals, stirring well after each, until smooth and fully melted. Alternatively, melt in a double boiler.
Step 7: Dip each caramel-topped cracker into the melted chocolate, ensuring it's fully coated. Lift with a fork, allowing excess chocolate to drip off.
Step 8: Return the chocolate-coated crackers to the parchment-lined baking sheet. If desired, sprinkle with a pinch of sea salt or extra chopped peanuts before the chocolate sets.
Step 9: Refrigerate for at least 30 minutes, or until the chocolate is completely set. Once set, store in an airtight container.