Preheat the oven to 350°.
Grease or spray an 8 ½ or 9-inch loaf pan.
With a mixer on medium speed, cream the sugar and butter together.
Add in the bananas, half and half (or milk) and eggs, and beat just until combined. Do not overbeat.
Add in the flour and baking powder. Again, do not overbeat.
At lowest speed, add in the cranberries, walnuts, and chocolate chips if you are using them. Do just about 3 turns of the paddle. You don’t want to overmix and cause the cranberry color to bleed into the batter.
Spread the batter into the prepared pan. (Hint: with a spoon or rubber spatula, make a slight indent down the center of the batter to prevent the top from baking too high.)
Bake at 350° for 60-65 minutes or until a cake tester inserted in the middle comes out clean. (About half way through, I like to tent the loaf with aluminum foil so it doesn't come out so dark, but that is optional.)
Cool it in the pan on a wire rack for at least 25 minutes, then run a knife around the edges to loosen it. Invert it onto a plate.
Store the loaf bread covered at room temperature.