Preheat Oven – Set oven to 350°F (175°C). Grease and flour a 9x5-inch loaf pan or line with parchment paper.
Mix Dry Ingredients – In a medium bowl, whisk together flour, baking soda, baking powder, cinnamon, nutmeg, ginger, and salt.
Combine Wet Ingredients – In a large bowl, whisk together granulated sugar, brown sugar, and oil until well blended. Add eggs one at a time, whisking after each. Stir in pumpkin purée, milk, and vanilla until smooth.
Mix Batter – Gradually add dry ingredients to wet ingredients, mixing gently until just combined (do not overmix).
Fold in Add-ins – Stir in chocolate chips and pecans.
Fill Pan – Pour batter into prepared loaf pan. Sprinkle extra pecans and a few chocolate chips on top for garnish.
Bake – Bake for 55–65 minutes, or until a toothpick inserted into the center comes out clean (a few moist crumbs are fine).
Cool & Serve – Allow bread to cool in the pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.