FWIW, I’ll share my n=1
Over a year ago, I was listening to Simon Hill and Dr B (the gut health doc) and Simon said he switched to coconut yogurt because sat fat that is in something fermented doesn’t raise lipids (fast forward, I think he changed his tune on that comment)
I excitedly drank coconut keifer and then ran labs and my lipids had jumped up.
So, I do believe people who are not sensitive to sat fat can have some… but if you are, form doesn’t seem to matter much.