01 - Preheat oven to 400°F. Poke potatoes several times with a fork, coat with olive oil and a sprinkle of salt, and place directly on oven rack. Bake for 60 to 70 minutes until skins are crisp and insides are tender.
02 - While potatoes bake, heat olive oil in a skillet over medium heat. Add diced onion and cook until softened, about 2 to 3 minutes. Add minced garlic and sauté for 30 seconds.
03 - Add ground beef to skillet and cook, breaking up with a spoon, until evenly browned and cooked through. Drain excess fat if needed.
04 - Sprinkle taco seasoning over browned meat, pour in water, and stir thoroughly. Let simmer for 3 to 4 minutes until mixture is thickened. Season with salt and pepper as desired.
05 - Let baked potatoes cool briefly, then cut a lengthwise slit in each. Gently fluff potato flesh with a fork to create space for filling.
06 - Generously fill potatoes with prepared taco meat. Top with shredded cheese, diced tomatoes, sour cream, black olives, avocado, sliced green onions, chopped cilantro, and salsa or hot sauce to taste.
07 - Serve immediately, allowing diners to further customize toppings to their preference.