Whisk together avocado oil, rice vinegar, lime juice, minced garlic, garlic powder, salt, sugar, ground cumin, paprika, and chipotle in a large mixing bowl and set aside.
Rinse the diced red onion thoroughly under cold water, then drain well.
To the bowl of dressing, add diced bell peppers, roasted red peppers, jalapeños, drained black beans, black-eyed peas, corn, chopped tomato, and the rinsed onion.
Stir everything together until evenly coated.
Cover and refrigerate for at least 2 hours or up to 12, giving it a toss now and then to keep the flavors mingling.
Just before serving, mix in freshly chopped cilantro and taste for seasoning, adding more salt if needed.
Serve chilled with tortilla chips.