Make the dressing: In a small bowl, whisk together the olive oil, lime juice, red wine vinegar, honey, cumin, chili powder, garlic powder, salt, and pepper. Taste and adjust seasoning.
In a large bowl, combine the black beans, black-eyed peas, corn, bell pepper, jalapeño, red onion, tomatoes, and cilantro.
Pour the dressing over the bowl and toss to coat evenly.
Cover and refrigerate for at least 1 hour (up to 3 hours) to let the flavors develop.
Right before serving, fold in the diced avocado gently to keep it from breaking up.
Taste and adjust with extra salt or a squeeze of lime if needed. Serve with tortilla chips.