Preheat oven to 350°F.
Line 12 muffin tins with cupcake papers.
In a small bowl, stir to combine crushed gluten free graham crackers, sugar and butter, stirring with a fork until uniform. Squeeze some mixture between your fingers to see if it holds its shape; if it’s too crumbly, add more melted butter until the mixture holds together.
Portion crust mixture evenly among the 12 muffin cups (approximately one large tablespoon each) and press into the bottom of the liners. Bake for 8 minutes. Remove to cool while preparing filling.
In a large mixing bowl, beat confectioner’s sugar and cream cheese until light and smooth. Stir in peanut butter. Add the creamer or half-and-half. (If using a thin “natural” peanut butter, you may need to add an extra ¼ cup of confectioner’s sugar to make the filling thicker.) Fold in the whipped topping and chopped candy until uniformly mixed and smooth.
Spoon filling into muffin tins up to the top. Freeze until firm, at least one hour.
Prepare the Chocolate Ganache by combining chocolate and creamer in a double boiler over medium-high heat, stirring just until the chocolate is melted and the mixture is smooth.
Remove from heat and allow to cool slightly, then spoon over each frozen nut butter treat. Return to the freezer until the ganache is cold and set.
Chop more candy for the topping, then set aside. Gently melt nut butter then transfer to a pastry bag or small plastic bag with a tiny corner cut out. Squeeze to drizzle over the frozen treats, then sprinkle with chopped candy and chocolate chips.
Freeze for at least 4 hours more before serving.