Although these are marketed on a single page, these are four distinct bars, each with its own particular flavor and texture. I got the variety pack so I am doing a side by side comparison, which will hopefully help you choose the right one for you, and I really think that some of the negative reviews might come down to having chosen a bar that is not the right fit. All that to say, what these bars have in common is that they are a very sweet milk chocolate style candy bar, and they do that very well.Almond Milk bar is probably the most “neutral” in terms of texture and flavor. It has no discernible almond flavor, it has a medium smooth texture, with the slight snap that I expect from a sweet chocolate bar, and it really nails that traditional milk chocolate mouthfeel. If they took “almondmilk” off the label they could market this one as the standard bar.
Coconut Milk bar is by far the softest and smoothest of the Lovo bars, it is very creamy and super rich with no discernible snap and it melts like you know what. It has an unmistakable toasted coconut flavor— for coconut lovers only! Definitely I would say that this is almost like a toasted coconut ganache bar, the creamy softness of it borders on being like a sweet coconut truffle filling. 
Hazelnut Milk bar has that luxurious European flavor that elevates candy into something almost sophisticated, okay it is still just candy. But this bar is my favorite because it has that milk chocolate nostalgia and that Nutella edge. It is ever so slightly softer and smoother than the almond milk bar, but no way near the coconut bar. It still has a very slight snap that immediately melts, and it has a less pronounced hazelnut flavor when compared to the coconut or the oat. So I would say it is the second most neutral if you are expecting a standard yet elevated milk chocolate style experience. 

Oat Milk bar is far and away the snappiest of the bars. On initial bite it almost has a dry texture, but that quickly melts into an almost oily finish. It also rivals the coconut in terms of flavor, with a bold cereal-like aroma, it really threw me for a loop because this is a chocolate candy that has been infused with toasted grains in a way that I have not tasted before. It lives up to its name, but if you are expecting the ultimate neutral “flavor” of Oatley, then this bar will surprise you with its oat forwardness.So you see, they are all very different. I hope this helps.