Preheat your oven to 350°F (175°C). Lightly grease a 9×5-inch loaf pan and line it with parchment paper for easy removal.
Whisk dry ingredients: In a medium bowl, combine flour, baking soda, baking powder, salt, cinnamon, nutmeg, cloves, and ginger. Set aside.
Mix wet ingredients: In a large bowl, whisk together granulated sugar, brown sugar, oil, and eggs until smooth and slightly thick. Add the pumpkin purée, milk, and vanilla extract. Whisk until fully combined.
Combine: Gradually stir the dry ingredients into the wet ingredients using a spatula. Mix until just combined, don’t overmix; the batter should be smooth but slightly thick.
Add mix-ins (optional): Fold in chocolate chips or nuts if using.
Pour and bake: Pour the batter into the prepared pan, smoothing the top. Bake for 55–65 minutes, or until a toothpick inserted in the center comes out clean or with just a few moist crumbs.
Cool and serve: Let the bread cool in the pan for 10–15 minutes before transferring it to a wire rack. Cool completely before slicing (if you can wait that long!).