I start by washing and peeling the russet potatoes, then cutting them into roughly two-inch chunks so they cook evenly. I chop the onion into smaller pieces since it blends into the soup later. This step takes me about ten minutes and it's the only real "work" involved in the whole recipe.
Next, I add the potatoes, onion, chicken broth, garlic, salt, and pepper straight into the slow cooker. I give everything a quick stir so the seasoning is distributed evenly. There's no need to sauté the onion or garlic first; the slow cooker handles softening everything on its own.
I set my crockpot to high for 4 hours, though cooking on low for 6-8 hours works just as well if I'm out of the house longer. I know it's done when I can easily pierce the potatoes with a fork and they're starting to fall apart on their own.
Once the potatoes are tender, I open the lid and add the softened cream cheese, shredded cheddar, and heavy cream. Using a potato masher, I mash everything together right in the crockpot until I get a slightly chunky texture, which is my personal favorite. If I'm in the mood for a smoother soup, I reach for my immersion blender instead.
Before serving, I always give the soup a taste and add a little extra salt or pepper if needed. Sometimes I'll stir in a splash of more broth or cream if it feels too thick for my liking at this stage.
Finally, I ladle the soup into bowls and pile on my favorite toppings like crispy bacon, shredded cheese, sour cream, and chives. This is the step that turns a simple potato soup into a truly "loaded" one, so I never skip it.