I haven't modified this except for flavoring; you could experiment even further. I do like heating some up in a bowl with a little extra milk just to finish softening the oats, and I always top it with some kind of fruit, nuts, and usually yogurt.
PS--If you skip the chia seeds, the oatmeal will be a little closer to crunchy in the morning. They also provide a complete protein, so it's really worth springing for them.
Vegetarian Times' Overnight Chai Steel-Cut Oats
Makes 2 servings
Place all ingredients in a Tupperware-ish container or a jar with a lid. Stir to coat thoroughly. In the morning, heat half in the microwave with about 2 tablespoons of milk and top with fruit, nuts, etc. Keeps 4-5 days in the refrigerator.