Preheat the oven: Get your oven ready for baking by preheating it to 375°F (190°C). Lightly grease a baking dish or casserole dish to prevent sticking.

Combine dry ingredients: In a large bowl, whisk together the rolled oats, ground oats (or oat flour), and baking powder. This forms the base for your savory oat bake.

Whisk wet ingredients: In a separate bowl, grab your milk, water, eggs, salt, pepper, and Italian seasoning. Whisk them together until well combined.

Assemble: Pour the wet ingredients into the bowl with the dry ingredients. Use a spoon or spatula to gently stir everything together until just combined. Don't overmix! Then, fold in the grated cheeses for cheesy goodness throughout the bake.

Add vegetables: Now comes the fun part! Gently fold in the chopped onion, minced garlic, diced zucchini, frozen peas, and diced tomatoes. These vegetables add pops of flavor and texture to your savory masterpiece.

Bake: Pour the entire mixture into your greased baking dish. Bake it in the preheated oven for 20-25 minutes. You'll know it's done when the edges are set and a toothpick inserted in the center comes out clean.

Serve: Take the baked oats out of the oven and let it cool slightly before serving. This allows the flavors to meld and ensures you don't burn your mouth! Enjoy your warm and delicious savory baked oats for a satisfying and healthy dinner.