In the bottom of a large Dutch oven, crisply cook the chopped bacon.
Remove half of the bacon fat and discard; remove, and reserve, a little of the crisp bacon to garnish the top when serving.
Using the same Dutch oven, over medium heat, add the butter along with the onions and garlic; sauté until the onions soften but do not brown.
Add the flour and continue to cook for 1 to 2 minutes; do not let the flour brown; if it does start to brown, add the seafood stock immediately to stop the cooking action; stirring constantly.
Next add the milk, salt, pepper, bay leaves, savory or thyme and lemon zest; taste the broth to see if it requires additional salt.
Simmer the broth for 20 minutes; add the seafood and continue simmering slowly for an additional 10 minutes; try and maintain a very gentle simmer; this process is practically poaching the fish; the result will be a much better presentation if the chunks of seafood remain whole.
Finally, add the whipping cream to finish the chowder; bring back to a boil; remove from heat and serve immediately.
Suggested presentation method is to use a slotted spoon to remove the seafood chunks to the centers of shallow bowls; add the broth around the rest of the bowl; sprinkle top with the reserved crispy bacon.