I just finished a two-week stock-the-freezer project for my dd's lunches, so I'll tell you what I have ready and what I pack. My dd is nearly 18 months, though, and she's allergic to milk so my choices are probably more limited than yours.
First, my standard lunch "formula": 1 sandwich (usually peanut or almond butter), 1 other bread-like snack, 1 plastic container of cut-up fruit, 1 soy yogurt, 1 soy smoothie, and then a fun snack.
My variations:
sandwich: usually (80% of the time) peanut or almond butter on wheat, but sometimes a bagel with peanut butter, or crackers and hummus
bread-like snack: muffin (cranberry muffins are in the freezer), fruity pancake (I have blueberry and apple pancakes in the freezer), potato pancake (also in the freezer) with ketchup, or an apple-oat bar (these don't freeze well, so they're a rare treat)
fruit: I do that every night, but dd loves cut-up peaches, kiwis, melons, grapes, pears, and oranges
soy yogurt and smoothie: store-bought and NOT afrugal choice, but otherwise she drinks water all day and I don't feel like that's enough protein
fun snack: she looooooves just plain dry cereal so she gets that a lot, but I've also given a little container of peas and corn, a box of raisins, or a baggie of mixed dried fruit (cranberries, raisins, and freeze-dried strawberries and bananas from Just Tomatoes) I can't wait until she starts accepting crunchier and chewier things so I can give more nuts and veggies!
BTW, this is a GREAT resource:
http://parents.berkeley.edu/advice/e...ches.html#todd