Cook the ground beef in a large skillet over medium heat until browned and fully cooked; drain any excess fat.
Stir in the taco seasoning blend and water, then simmer for about 3 minutes until thickened, then remove from heat and let cool slightly.
Chop the romaine lettuce, halve the cherry tomatoes, and thinly slice the red onion.
If using, rinse and drain the canned black beans and corn thoroughly.
In a small bowl, mix Catalina dressing with sour cream or ranch dressing until smooth and combined.
In a large bowl, combine the cooled seasoned beef, lettuce, tomatoes, onions, shredded cheddar, corn, and black beans; toss gently.
Just before serving, sprinkle the crushed Nacho Cheese chips over the salad and drizzle with the creamy dressing mixture; toss lightly to coat evenly.
Serve immediately to maintain the chips’ crunchy texture.