In a large mixing bowl, whisk together the pudding mix and cold milk for about 2 minutes, until smooth and slightly thickened.
Gently fold in the whipped topping using a spatula, being careful not to deflate it too much.
Add in the crushed pineapple, mini marshmallows, and half of the crushed cookies. Fold everything together until evenly combined.
Spoon the mixture into individual serving bowls or one large dish.
Sprinkle the remaining crushed cookies on top and finish with a touch of lemon zest if using.
Chill for at least 30 minutes before serving to let the flavors meld and the fluff set.
