I think I would go by the 5g digestible carbs and stick to one serving. See how it makes you feel. If you feel sluggish or start craving carbs the next day, then don't eat it.
You are right about the formula for estimating net carbs, but there are other types of carbs that are not "fiber" per-se, but don't affect blood sugar. Sugar alcohols are one, but I think the following clears it up as far as the Dreamfields brand. This is from their website:Protected carbohydrates or "resistant starch":
These are carbohydrates that resist being digested particularly in the small intestine. When they cannot be digested in the small intestine, they pass to the colon where they perform as dietary fiber. They may occur naturally, be created by chemically modifying carbohydrates prior to ingestion or achieve resistance through properly formulated foods being processed by the body. Resistant starches occur naturally at various levels in many foods, like cooked and cooled potatoes, unmilled grains, seeds, legumes, bananas, and high amylase starches. Most resistant starches are produced by concentrating naturally resistant starches and/or by chemically modifying carbohydrates in order to produce a starch with low digestibility. Dreamfields creates protected carbohydrates without chemical modification by utilizing combinations of standard food ingredients to "protect" digestible carbohydrates from being broken down by digestive enzymes. Carbohydrates resistant to digestion have been shown in scientific study to help control blood glucose, blood cholesterol and blood triglyceride levels, normalize insulin levels, and help improve the health of the colon lining, thus reducing the potential for ulcers and inflammatory diseases of the large intestine. Xanthan gum:
is a food gum with dietary fiber properties that was developed to perform as a thickening agent for pourable salad dressings, sauces and gravies, pastry fillings, puddings, dairy products, and fruit juices. Xanthan gum is made using a fermentation process that employs the bacterium Xanthomonas campestris. This organism utilizes sugars, like corn glucose to produce the gum. It is not digested by the body, but reaches the colon intact where it is used for food by resident microflora that produce products of the fermentation process that help reduce cholesterol and smooth fluctuations in blood glucose, and help maintain the health of the large intestine (colon). Xanthan gum is a widely used and approved food ingredient.
Love the food that loves you back.
Take it one day at a time!