Depends what you mean by hot chocolate and how much sugar you're comfortable with really peapod. On the whole I'd rather chew my own toenails than drink hot chocolate, which surprises me because I really like dark chocolate (really really 🙂), but I think its the sugar in most brands that turns me off because I haven't got a tremendously sweet tooth. You could use cocoa powder and then sweeten it yourself with sugar or sweetener, or with marshmallow, one large or a couple of small ones won't break the carb bank if you're using unsweetened cocoa powder. A friend of mine makes wonderful hot chocolate using a bar of cocoa solids (pressed beans so no added sugar, but it still has the cocoa butter), milk, cinnamon and a tiny bit of maple syrup. She makes it with almond milk too. It's not really like hot chocolate you get in the coffee shops more like dark chocolate which is probably why I like it, oh and she does one with chilli which is divine.
All that said if you fancy hot chocolate as a treat go for it and see what happens, I'd have one with food to slow down the sugar but I'd still have one if I fancied it. I have recently discovered that a pumpkin spice latte has no impact on my blood sugar at all, which I'm delighted by. I only have half a pump of syrup (because I don't do really sweet) and not even a blip. I am however going to disagree about that options stuff....yuk! Far too sweet 🙄