In a mixing bowl, whisk together the water, powdered milk, oil, egg and brown sugar. Once the mixture is smooth, add the remaining ingredients. Fold in the flour and oats until the batter has come together and the flour is incorporated. Don't over mix. If the batter is too thin, add a little more flour. Visa versa, if the batter is too thick, add a little more milk or water to thin the batter out. Heat a flat griddle to medium heat. Spray with cooking spray or a thin layer of butter. Pour a 1/4-1/3 cup of the batter onto the griddle. Sprinkle on the top with several chocolate chips (or raisins). Once the bottom side of the pancake is golden brown, flip the pancake and cook until the second side is browned and the center of the pancake is cooked through. Serve the warm pancakes with syrup or whipping cream.