Cook rice: combine rice, water, and 1/2 tsp salt. Boil, reduce to low, cover, cook 15 minutes. Rest 5 minutes. Stir in cilantro, lime juice, 1/4 tsp salt.
Season shrimp: toss shrimp with 1 tbsp oil, chipotle, cumin, garlic powder, pepper, 1/4 tsp salt.
Cook shrimp: heat skillet over medium high. Add 1 tbsp oil. Cook shrimp 3 to 4 minutes until opaque and lightly charred.
Warm beans: add black beans to skillet, toss 1 minute.
Assemble: divide rice into bowls. Top with shrimp, beans, tomatoes, onion, avocado.
Make crema: whisk sour cream or yogurt with lime juice and salt.
Serve: drizzle crema, garnish with cilantro. Add lime wedges and hot sauce if desired.