Louanne's Kitchen's Loaded Cauliflower Casserole

lbs cauliflower florets

shredded sharp cheddar cheese (divided)

shredded Monterey Jack cheese (divided)

block cream cheese (softened)

heavy cream

bunches green onions (sliced (1 1/2 cups))

sliced bacon (cooked and crumbled)

garlic (grated)

Salt & pepper