I make my pancakes with oat flour, no sugar (other than the chocolate chips--can't give those up), and no dairy. The chips are at least 62% cocoa, so their sugar levels aren't as high as milk chocolate chips. I just checked and the oat flour I use (Bob's Red Mill) is whole grain, not refined. So I think I'm doing alright!

By no means are these pancakes healthy, but after years of experiments I think I managed to find something that just straddles the barrier between nutritional-waste and nutritional sabotage. And that's fine for one meal a week. Thanks for your concern, though!