01 - Preheat oven to 400°F. Prick each russet potato with a fork several times, rub with olive oil and a sprinkle of salt, and place directly on the oven rack. Bake for 60 to 70 minutes, until skins are crisp and insides are fork tender.
02 - While the potatoes bake, heat olive oil in a large skillet over medium heat. Add diced onion and cook until softened, about 2 to 3 minutes. Add minced garlic and cook 30 seconds longer.
03 - Add ground beef to the skillet and cook, breaking up with a spoon, until browned and fully cooked. Drain excess fat if needed.
04 - Stir in taco seasoning and water. Simmer for 3 to 4 minutes, stirring, until thickened. Season with salt and pepper to taste.
05 - Allow baked potatoes to cool slightly. Cut a lengthwise slit in the top of each potato and gently fluff the interior with a fork.
06 - Fill each baked potato generously with the taco meat. Top with shredded cheese, diced cherry tomatoes, sour cream, sliced black olives, diced avocado, sliced green onions, chopped cilantro, and salsa or hot sauce as desired.
07 - Serve immediately, allowing guests to further customize their toppings if desired.