Wash and slice the cucumbers into half-moons, or dice for a chunkier texture.
Dice the tomatoes and set them aside separately so they don't turn the cucumbers mushy.
Slice the red onion thinly, then chop the cilantro and chili, removing seeds for a gentler heat.
Whisk the dressing: combine lime juice, olive oil, chili powder, cumin, salt, and pepper in a small bowl.
Toss the cucumber, tomato, onion, cilantro, and chili together in a large bowl.
Pour the dressing over the vegetables and toss gently to combine.
Taste and adjust — more lime for brightness, more salt if it's flat, more chili for heat.
Serve right away, or chill 10 minutes for a colder, more mellow bite.