Prep the base. Add the cottage cheese to a large mixing bowl.
If you prefer a smoother texture, stir it briskly with a spoon to loosen it up. For extra creaminess, mix in the olive oil now.
Season early. Sprinkle in the chili powder, cumin, smoked paprika, a generous pinch of salt, and a few cracks of pepper. Stir to evenly distribute the spices through the cottage cheese.
Fold in the veggies. Add black beans, corn, bell pepper, tomatoes, red onion, and jalapeño.
Gently fold until combined. Try not to mash the beans or tomatoes.
Add freshness. Stir in the cilantro and squeeze in the lime juice. Taste and adjust salt, pepper, and lime to brighten the flavors.
Finish with heat and cream. If you like it spicy, add a few dashes of hot sauce or a teaspoon of finely minced chipotle in adobo.
Fold in the avocado last so it stays chunky.
Rest briefly. Let the salad sit for 5–10 minutes so the flavors come together. Give it a final stir and taste again before serving.
Serve your way. Spoon it into bowls, scoop with tortilla chips, tuck into lettuce cups, or roll into a warm tortilla. Add extra cilantro and lime wedges on the side.