The night before, place 1 cup dried black beans in a quart-sized container or jar, cover with cold water so the beans are submerged, cover, and refrigerate overnight.
Drain the soaked beans and transfer them to a heavy saucepan or Dutch oven. Add enough water to come within 2 inches of the top of the pot. Add 1 bay leaf, 2 teaspoons kosher salt, and 1 dried chile.
Place the pot over medium-high heat and bring to a simmer. Reduce heat to medium-low, cover, and maintain a gentle simmer, stirring occasionally, for about 40 to 50 minutes, until the beans are tender but still slightly al dente and just beginning to fall apart.
Before draining, reserve 1 cup of the simmering cooking liquid. Then drain the beans well and discard the bay leaf and dried chile.
In a large skillet or wok, heat 2 tablespoons olive oil over medium-high heat until shimmering. Add the chopped onion, minced garlic, seeded and chopped poblano, and seeded, finely chopped jalapeño. Sauté, stirring occasionally, about 8 to 10 minutes, until the vegetables begin to soften.
Add the finely chopped chipotle pepper in adobo (about 1 tablespoon), 1/2 teaspoon ground cumin, and a pinch of salt. Cook, stirring, until fragrant (about 30 seconds).
Add the drained black beans to the skillet and toss to coat with the vegetables and spices.
Add 1/4 cup of the reserved bean cooking liquid and simmer, stirring, until the liquid is mostly absorbed. Continue adding the reserved liquid in 1/4-cup increments, stirring and simmering after each addition, until the beans are well coated and the sauce has thickened (use up to the reserved 1 cup as needed).
Taste and finish the beans with lime juice and additional salt to taste.
Warm the 16 corn tortillas on a dry skillet or griddle or in the oven, and keep them warm.
To assemble, spoon the black bean mixture down the center of each warmed tortilla. Top with fresh cilantro, diced avocado, crumbled queso fresco or cotija cheese, and a drizzle of sour cream. Serve warm.