Hold up, have you seriously never had refried beans? They're good on nachos and in burritos (even the canned ones), so they're usually served with some kind of cheese. I can't speak to how well that translates with the vegan stuff, but a dead simple bean burrito recipe would just be refried beans and maybe some rice (seasoned with cumin, chili powder, and a little bit of cilantro) wrapped in a tortilla. If you can find it, red chile sauce (note: this is different stuff from regular salsa or picante) is a nice addition along with the beans and rice.

As for healthiest, that depends on what you're looking for. Possibly black beans for the higher fiber and thiamine content, while garbanzo beans are really high in manganese.