In regards to lactose we had a small discussion of it's lipogenic tendencies and GI value at BB.com.
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Here is part of my original post there (better to read the thread as well):
There are varying theories on how lipogenic milk is, and from what I've found there are some who are in agreement with this, and others who neglect it for their own studies (as expected I guess). All-in-all it comes down to our opinions.
I value skim milk as an excellent source of casein and some whey, as well as the obvious other goodies like calcium, riboflavin, etc. For me it is a cost-benefit, and I see milk as a cheap great way to get a slowly releasing protein, and haven't noticed significant problems with it in regards to fat gain from the lactose sugar. Actually I make milk more of an "exception", in that I believe it's value is worh the simple sugars, especially in the big picture, IMHO.
Keto diets are the exception here obviously. I have done keto-style diets years ago that have been successful with low quantities of milk, but it could definitely throw someone out very easily. Just depends on your body and which diet scheme you are using.
I found some links to how carbs work and some opinion on lactose, but again, this is all ultimately up to how picky one is in regards to their carbs, and you'll find articles for and against milk and lactose sugar.
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I say drink up, some don't. Always worked for me though.