yes, but the lactose found in dairy is rated lower on the GI. I think it's important to note that different types of carbs serve different purposes. Foods that are high on the GI spike blood sugar levels and are broken down quickly. Foods that are low on the GI are absorbed much slower. In some cases, as in pre bed, your body needs lower GI foods to give you a more constant, running, slow-digesting energy supply during the night as you're fasting, which is why I prefer the lactose in cottage cheese and milk.
Cottage cheese, above all else, is a low glycemic carb and abundant in caseinate proteins. 1 cup will provide roughly 30 grams of casein protein, which your body will use to fuel itself over the course of the night. Milk simply provides additional low GI carbs to give you energy during the night and prevent catabolism.
I scarcely feel bloated in the morning - only when I specifically eat lots of carbs before bed do I sometimes wake up feeling "fat". Aside from occasional stress, I usually always sleep very soundly at night and don't feel very groggy come the AM. 2 cups of milk works for me. Ultimately depends on your body type and what portions you can handle though.