With that amount I would wait an hour from finishing the meal before training (the milk is not the problem - it is the oats).
And I count fibre... You still get some energy from fibre - as it is partially digested (has ~2.5 cals/gram)...
So 1 cup oats = 54g carb and 1 cup milk = 12g carb (where did you get 13???)... Total = 66g carbs...
Even if you only choose to count soluble fibre, oats have 5g soluble and 5g insoluble per cup... so you are still looking at ~49g per cup.
But this doesn't mean you have to go changing all your meals - because how much you are eating now is obviously working... It just means you have been eating more carbs than you think!
