Place the dried pinto beans in a large pot or bowl. For an OVERNIGHT SOAK, cover with a few inches of cold water and let sit 8 hours or overnight. For a QUICK SOAK, cover with a few inches of water, bring to a boil for 2 minutes, then cover, remove from heat and let sit 1 hour. Either way, drain and rinse before using.
Heat a Dutch oven or large pot to medium heat and add the bacon. Cook 5 minutes, until the bacon starts to crisp and renders its fat. Remove the bacon and set aside, leaving the grease in the pot.
Add the Mexican chorizo to the pot and cook 5 to 6 minutes, breaking it up, until cooked through and rendered. Spoon off the excess red fat, leaving 1-2 tablespoons.
Add the onion and jalapeno peppers. Cook 5 minutes to soften. Add the garlic and cook 1 minute more, until fragrant.
Pour in the Mexican beer to deglaze the pot and scrape up any browned bits from the bottom. Let it bubble 2 to 3 minutes to cook off the harsh alcohol edge and mellow the bitterness.
Add the reserved bacon, drained beans, diced tomatoes, chicken broth, chili powder, cumin, Mexican oregano, and bay leaf. Hold the salt for now. Stir and bring to a boil.
Reduce heat to a gentle simmer and cover. Cook 90 minutes to 2 hours, until the beans are tender to your liking. Check at 90 minutes and add a splash more broth or water if it gets too dry.
Stir in fresh cilantro and top with freshly squeezed lime juice. Taste and adjust salt now that everything has simmered together.
Discard the bay leaf. Ladle into bowls and garnish with cotija or queso fresco, extra cilantro and lime wedges. BOOM. Done.