Start with the apples. Dice into small bite-size pieces (no need to peel). To keep from browning or softening, soak in 3 cups room-temp water mixed with 1-1/2 teaspoons fine sea salt for 5–10 minutes. Drain, rinse, shake off excess, and pat dry.
Unwrap and dice candy bars into small pieces and set aside 1/4 cup for topping.
In a large bowl, briskly whisk pudding mix and milk until smooth and slightly thickened. Gently fold in whipped topping until smooth and combined.
Add apples and candy pieces; gently fold through with a spatula. Cover and chill for 30 minutes or until ready to serve.
When ready to serve, stir gently, smooth the top, and garnish with reserved candy, toffee bits, and a drizzle of caramel and peanut butter if desired. Serve right away.
Video
Notes
Note 1: Use the 3.4-ounce instant pudding, not the larger box. Avoid sugar-free and cook-and-serve.Nutrition Note: Does not include optional toppings.Storage: Best fresh. Store leftovers in an airtight container in the fridge up to 2 days.