Crush the entire package of Oreos in a food processor until they resemble fine crumbs.

Melt half of the milk chocolate chips with ½ cup of milk in the microwave, stirring until smooth.

Press one-third of the crushed Oreos firmly into the bottom of a 9x13-inch pan to form a solid crust.

Beat 8 oz of softened cream cheese until smooth, then add vanilla pudding mix, peanut butter, and 1¾ cups of milk, mixing until smooth.

Sprinkle another third of the crushed Oreos on top of the peanut butter layer.

Beat remaining cream cheese until smooth, then mix in chocolate pudding, cooled chocolate mixture, and 1½ cups of milk.

Add the last third of the crushed Oreos atop the chocolate mixture.

Spread the whipped topping evenly over the final Oreo layer.

Cover with plastic wrap and chill in the refrigerator for at least 4-6 hours before serving.