Prepare the Filling: Slice the ripe bananas into thick rounds and place them in a large baking dish. Sprinkle with granulated sugar, brown sugar, ground cinnamon, ground nutmeg, vanilla extract, lemon juice, and water. Gently toss to coat the bananas evenly. Note: Letting the bananas sit for a few minutes allows the sugars to draw out moisture, creating a delicious syrup as they bake.
Make the Topping: In a mixing bowl, whisk together all-purpose flour, granulated sugar, baking powder, and salt until well combined. Gradually stir in the melted butter and milk until the mixture is smooth and thick. Note: This step is crucial as it creates the perfect biscuit-like topping that will rise beautifully during baking.
Assemble and Bake: Pour the topping mixture evenly over the banana filling in the baking dish, spreading it gently to cover the bananas. Bake in a preheated oven at 350°F for 40-45 minutes, or until the top is golden brown and bubbling. Note: The bubbling indicates that the flavors are melding together, and a golden crust ensures a delightful texture that contrasts the gooey filling beneath.
Serve and Enjoy: Allow the cobbler to cool for about 10 minutes after removing it from the oven. Scoop generous portions into bowls, and consider topping it with a scoop of vanilla ice cream for an indulgent treat. Note: Letting it rest enhances the flavors, making this dessert even more enjoyable, warm and gooey, just as it should be!