Dice bacon and to a hot pan set over medium heat. Stir occasionally until nearly crisp.

Drain off all but 1 tsp of bacon grease from the pan and reduce heat to medium low.

Add in the diced onion. Saute until beginning to soften and caramelize, 2 to 3 minutes.

Add in minced garlic and saute until fragrant, just 30 seconds to a minute.

Pour in half and half and cream cheese, stirring constantly until melted.

Begin adding the parmesan and mozzarella in handfuls, stirring to melt between additions.

Fold in rice, taste and add salt if needed. Serve with fresh cracked black pepper.