After the potatoes have cooled, take a very small slice off the bottom of the potato so it can sit upright on the serving plate.
With a sharp knife, cut off the top of the potato. Reserve the inside of the top to include in the stuffing.
Using a small spoon, gently scoop out the inside of the potato leaving enough in the "wall" of the potato to have it retain its shape.
Mix the sour cream, cream cheese, cheddar cheese, bacon, butter with the reserved potato. Add cream (or milk) to create filling. Salt and pepper to taste.
Fill potato with enough filling to mound on top.