You can cook this in a slow cooker or gently on the stove top - you can add the half and half toward the end of the cooking time but don't let it boil! Evap. milk is a little more forgiving but I like fresh milk better.
Combine all ingredients EXCEPT the tortilla chips and cheddar cheese.
Simmer for at least an hour to let flavors blend
Crush tortilla chips in the bottom of a bowl. Add soup and sprinkle cheddar cheese on top. You can also add sliced green onion, sour cream, etc. Whatever floats your boat!