Make the Crust:Grease a 9x13-inch baking dish. In a medium bowl, combine crushed gingersnap cookies with melted butter. Press the mixture evenly into the bottom of the dish. Chill in the refrigerator for at least 15 minutes to firm up.
Prepare the Cream Cheese Layer:In a mixing bowl, beat cream cheese, sugar, and milk until smooth and creamy. Gently fold in 1 cup of Cool Whip. Spread the mixture evenly over the chilled crust.
Mix the Pudding Layer:In a separate bowl, whisk together the pudding mix and 3 cups of milk for 2 minutes. Let it sit for another 2 minutes to thicken. Stir in the caramel sauce, then spread the pudding mixture evenly over the cream cheese layer.
Top with Cool Whip:Spread the remaining Cool Whip over the pudding layer. Cover the dish and refrigerate for at least 4 hours, or until fully set.
Add Toppings Before Serving:Just before serving, evenly sprinkle chopped apples over the top. Drizzle with caramel sauce and scatter chopped peanuts for the perfect crunchy finish.