Spray a large skillet with cooking spray and warm over medium heat. Whisk eggs, milk, salt, and pepper together in a bowl. Pour egg mixture into the skillet and add bell pepper and onion. Cook and stir until eggs are set and veggies are softened, about 5 minutes.

Warm a tortilla in a skillet over low heat. Top with 1/2 the habanero-flavored Cheddar cheese until slightly melted, about 1 minute. Transfer to a serving plate. Repeat with remaining tortilla and habanero-flavored Cheddar cheese.

Top each tortilla evenly with scrambled egg mixture, salsa, Mexican cheese, avocado, and cilantro. Fold tacos and serve.