The night before, mix the oats, chia seeds, milk or yogurt, and seasonings in a single serving glass or jar. You may need to experiment with the ratios of milk and yogurt to get the consistency you like.
In a small saucepan, simmer the 4 oz of fruit with the 1/2 tsp chia seeds and 1 Tbsp of water for 5 minutes, stirring well, until it is the consistency of loose jam.
Transfer to a small bowl and refrigerate overnight.
In the morning, layer your oats, jam, and peanut butter, with the fresh fruit on top. You could layer everything the night before too, but it will mix together more. If you care about the presentation and the layers being more visually distinct, this layers best after refrigeration.
Don't cook the "jam" so much that it disintegrates completely, just enough to hydrate the chia seeds, soften the fruit a little, and bring out the natural sweetness.