01 - Preheat oven to 400°F. Prick each potato several times with a fork, 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 yield to a fork.
02 - While potatoes bake, heat olive oil in a skillet over medium heat. Add diced onion and sauté until softened, about 2 to 3 minutes. Stir in minced garlic and cook an additional 30 seconds.
03 - Add ground beef to the skillet, breaking it up with a spoon. Cook until browned and cooked through, draining excess fat if necessary.
04 - Sprinkle taco seasoning over the browned meat, add water, and mix thoroughly. Let simmer for 3 to 4 minutes until the mixture thickens. Adjust salt and pepper to taste.
05 - Once baked, allow potatoes to cool briefly. Cut a lengthwise slit in each and gently fluff the interior with a fork.
06 - Spoon taco meat generously into each prepared potato. Add toppings: cheese, cherry tomatoes, sour cream, sliced olives, diced avocado, green onions, cilantro, and salsa or hot sauce as desired.
07 - Serve the loaded baked potatoes immediately, inviting diners to customize their toppings.