Fry the bacon in a soup pot. Set aside and crumble when cool.
Chop onions, carrots, and celery. Mince the garlic. Add to bacon grease in the soup pot. Cook until softened. (If not using bacon, heat cooking fat of choice in place of bacon grease.
Peel and chop potatoes (or chop cauliflower). Add along with meat stock to the vegetables in the pot.
Bring to a boil, then simmer gently until all the vegetables are soft.
Add cottage cheese (if using), and blend the soup with an immersion blender until smooth. (Alternatively, you can pour the soup into a blender or food processor-- carefully-- and blend to smooth.)
If not using cottage cheese, stir in your dairy option-- yogurt, kefir-- now. If you are using milk, whisk 2 T of arrowroot or cornstarch into COLD milk, then whisk the milk into the bubbling soup. Stir or whisk until it returns to a boil and thickens, then turn off heat.
Adjust salt and pepper to taste and serve with desired toppings.