Since I cook mostly in small batches, I use canned beans. Pinto beans and black beans are very common in Texas, both dried and canned. My mom was born and raised in New Jersey, so she used kidney beans in everything, including chili, until we moved to Texas and she had real chili. She switched to pintos immediately. BTW, pinto beans in chili has become completely acceptable.
Anyway, when I make "frijoles refritos," I use either canned pinto beans or black beans. I use bacon grease for a fat. I don't use any herbs and spices, just salt to taste. Refried beans are a side dish in TexMex cooking, or something to put on a tortilla with some meat. They are not the star of the show.
Really good TexMex and Mexican restaurants will offer a choice of refried beans or charro beans. I like both, and go back and forth between the two.
CD