Dr. Fung has clearly stated that only carbs and protein disrupt the fasted state with insulin reaction, and fat does not.
However, those that use lots of HWC will have a slight amount of protein/carbs from it which can be a problem - otoh, many females may find that little bit not a problem, as it seems to stabilize the body’s tendency towards female starvation mode reactions.
Also, there’s no such thing as a real stall on keto - there are always things going on under the surface with regard to lymphatic processes in fat cells and between cells, skin healing, and general metabolic healing. If you’re fueling your brain on fat, the brain is going to prioritize healing along with body recomposition. Some women find the body diverts time and energy rebuilding muscle mass in the upper body (which is often somewhat atrophied in non-peasant women, joggers). In addition, the female body loses fat slower than the male body, and seems to have an extended time whereby the new water-filled fat cells may take a much longer time to shrink - and even longer with high cortisol levels from stress.
Besides that - dairy sensitivities are serious issue for some, whether because of digestive imbalances (too much congestion due to a lack of enzymes or spices, or bacterial overgrowth) or genetic reasons. As dairy on earth has only very recently been highly processed/pasteurized, some folks do better with old-fashioned raw milk from local farmers, but many of us don’t have that option.
You can always experiment by replacing HWC with just butter (minimal lactose) and coconut oil and see what happens!
And, Nurse Cindy’s hilarious video does a good job at going under the surface of “stalls” - https://www.youtube.com/watch?v=xF3rmi4DJAw