Season fish with salt and pepper to taste. Sprinkle with lime zest.
Heat grill to around 375 degrees. Grill fish for 5-10 minutes or until it flakes in a grill basket sprayed with oil.
In the meantime, make the beans, rice and sauce.
Rinse and drain beans. Pour into a small pot, add enough water just to cover and season with cumin. Stir and cook over medium low until heated through.
In another medium pot, combine rice, butter, and bay leaf and set to medium heat. Saute rice for about 2 minutes, stirring constantly. Pour in water, salt and pepper and bring to a boil. Cover and reduce to simmer. Simmer covered for about 15-17 minutes, until water is absorbed and rice is fluffy. Removed from heat. Stir in cilantro and lime juice.
For the sauce, stir together sour cream, mayonnaise, lime juice and zest, and chipotle. Adjust with more lime juice and chipotle to your taste.
To make the bowl, place 1/2 cup rice, 1/4 of the beans (approx 1/4 cup), 1/4 of fish, and a handful of chips in the bottom of a large bowl. Top with red cabbage, radish, jalapeno, cilantro and cotija cheese. Drizzle with sauce and serve with a wedge of lime.