01 -  Preheat the oven to 350°F. Grease and line a 9x5-inch loaf pan with parchment paper. 
 02 -  In a medium bowl, whisk together the flour, baking powder, baking soda, salt, cinnamon, nutmeg, and ginger until well blended. 
 03 -  In a large bowl, whisk the pumpkin purée, granulated sugar, packed brown sugar, eggs, vegetable oil, milk, and vanilla extract until smooth and fully incorporated. 
 04 -  Gradually add the dry ingredient mixture to the wet ingredients, stirring gently just until combined. Avoid overmixing for best texture. 
 05 -  Fold in the white chocolate chips using a rubber spatula, ensuring even distribution throughout the batter. 
 06 -  Transfer the batter to the prepared loaf pan, smoothing the top. Sprinkle extra white chocolate chips over the surface if desired. 
 07 -  Bake for 50 to 60 minutes, or until a toothpick inserted in the center comes out clean or with a few moist crumbs attached. 
 08 -  Allow the loaf to cool in the pan for 10 minutes before transferring to a wire rack to cool completely. Slice and serve as desired.