Bake potatoes and set aside and let cool. As they are cooling melt butter in large soup pan and stir in flour until smooth, add milk and bring to boil stirring constantly until it thickens enough to coat back of spoon. Add cheese, sour cream/dip, and bacon, and stir until melted and smooth and thick. Add salt and pepper to taste. Peel or not, and cut up potatoes into 1/2 inch cubes, add to soup, stirring carefully so they don't break up. When heated through, serve and garnish with french fried onions and chives, and even a dollop of sour cream.