Mmmmmmm! I'm with you! I have an allergy to caffeine which makes coffee *really* bitter tasting to me (not to mention that, if I have too much, I'll wind up in the hospital), so I do the cocoa/tea thing myself. Nothing beats real hot chocolate, but who has the time???
Here are my alternatives!
*Any* hot chocolate when accompanied by one of those specialty creamers: Amaretto, Irish Creme, whatever! Even 7-11 cocoa comes out tasting like gourmet.
Double up on the amount of powder when using generic cocoa brands, or add some bar chocolate yourself.
Spiced Chai! Especially from Starbucks. Personally, I tell them to make it *extra* strong, as (to me), it's too wimpy otherwise.
Hot buttered rum! I've seen it all of once in my life here in the states, but it was a nice alternative to the usual "Irish Coffee" (which is the one and only hot alcoholic drink I have otherwise seen).
MMMMMMMMMMMMMMMMMMMMMMMM! Gonna have to go to Starbucks now!