Preheat your oven to 350°F.
In a large mixing bowl, combine sour cream, milk, water, salt, and pepper, stirring until everything is nicely mixed together.
Stir in 1 item from Group A (omit sour cream and milk if you're using tomatoes).
Now, add 1 item from each of Groups B, C, D, and E (again, no sour cream and milk when using tomatoes).
Spoon the mixture into a lightly greased 13- x 9- x 2-inch baking dish.
Sprinkle the top with 1 or 2 items from Group F for that perfect finishing touch.
Cover the dish and bake at 350°F for 1 hour and 10 minutes. Then, uncover and bake for an additional 10 minutes.