Step 1: In a large mixing bowl, beat the softened cream cheese with the powdered erythritol, vanilla extract, and optional banana extract until smooth and creamy. Set aside.
Step 2: In a separate medium bowl, whisk together the sugar-free instant banana pudding mix and cold almond milk for 2 minutes, until thickened. Allow it to sit for 1-2 minutes to fully set.
Step 3: Gently fold the prepared banana pudding into the cream cheese mixture until well combined. Be careful not to overmix, as this can deflate the mixture.
Step 4: In another clean, large mixing bowl, beat the heavy whipping cream with an electric mixer on high speed until stiff peaks form. This step is crucial for the 'fluff' in Decadent No Bake Sugar Free Banana Pudding Cheesecake Fluff.
Step 5: Carefully fold the whipped cream into the banana pudding and cream cheese mixture until just combined. Use a spatula and a gentle hand to maintain the airy texture.
Step 6: To assemble: you can layer the Decadent No Bake Sugar Free Banana Pudding Cheesecake Fluff in individual parfait glasses or a large serving dish. Start with a layer of crushed sugar-free wafers (if using), then a layer of sliced bananas, followed by a generous scoop of the cheesecake fluff mixture. Repeat layers until your dish is full, ending with the fluff.
Step 7: Cover the dessert and refrigerate for at least 4 hours, or preferably overnight, to allow the flavors to meld and the Decadent No Bake Sugar Free Banana Pudding Cheesecake Fluff to fully set. The longer it chills, the better it tastes and holds its shape.
Step 8: Before serving, you can garnish with additional fresh banana slices, a sprinkle of crushed sugar-free wafers, or a dollop of extra whipped cream, if desired. Enjoy your Decadent No Bake Sugar Free Banana Pudding Cheesecake Fluff!