01 - Preheat oven to 400°F. Prick russet potatoes with a fork, rub with olive oil and a sprinkle of salt, and place directly on the middle oven rack. Bake for 60 to 70 minutes until skins are crisp and flesh is tender.
02 - While potatoes bake, heat olive oil in a skillet over medium heat. Add diced onion and cook for 2 to 3 minutes until softened. Add minced garlic and sauté for 30 seconds.
03 - Add ground beef to the skillet and cook, breaking up with a spoon, until well-browned and cooked through. Drain excess fat if necessary.
04 - Sprinkle taco seasoning over the browned meat, pour in water, and stir thoroughly. Simmer for 3 to 4 minutes until the mixture is thickened. Adjust seasoning with salt and black pepper to taste.
05 - Remove baked potatoes from oven and let cool slightly. Cut a lengthwise slit in each, then gently fluff interior with a fork.
06 - Generously fill each potato with prepared taco meat, then top with cheese, cherry tomatoes, sour cream, black olives, avocado, green onions, cilantro, and desired amount of salsa or hot sauce.
07 - Serve immediately, allowing each person to personalize their toppings.