Fill two small saucepans with about 2 to 3 inches of water, then turn heat on about medium until it boils a bit. Reduce heat to a low. Place a heat proof bowl over each one. In one bowl place the white chocolate, in the other place the milk chocolate. Allow them to melt completely until really smooth. Remove and allow to cool quite a bit.
While the chocolate cools, place the cream cheese in a stand mixer. Whip it until it's smooth and creamy. Add the marshmallow fluff, whip again until smooth.
Divide the mixture evenly into two separate bowls. In one add the white chocolate. Mix by hand until it's combined and smooth. Now add the milk chocolate to the other bowl, mix by hand until it's combined and smooth.
Toss a little crushed peppermint in each dish if you like. If you want it smooth you can skip this step. Personal choice.
Spoon layers of each one into serving dishes, you can do it pretty or haphazardly, both ways will look awesome. You can use a knife to marble them if you like. Whatever floats your boat.
Top each dish with crushed peppermint.
Serve with pretzels and a big old peppermint loving smile!