Creamy Cauliflower and Potato Soup

Name: Creamy Cauliflower and Potato Soup
Ingredients: 2 tablespoons olive oil; 1 cup diced sweet yellow onion; 1 clove garlic, peeled and minced; 1/2 head cauliflower, cored and roughly chopped; 2 medium potatoes, peeled and diced; 5 cups chicken or vegetable broth, preferably homemade or low sodium; 1/2 cup half-and-half; 1/4 cup crème fraîche; 1 cup grated cheddar cheese (not pre-shredded); Snipped chives or green onion, for garnish; Chopped cooked bacon, for garnish (optional); Salt and pepper, to taste