Wow.... maybe I'm weird, but I don't mind any of the options. Sometimes I want something creamier, sometimes I don't. In general, though, I'll have whatever's around. (We always have semi-skimmed because Adam hates full fat milk.)
I don't like instant creamers, but I'll deal with it if that's all there is. I was brought up drinking Coffee Mate or Cremora in instant coffee, so I can stomach most things.