Preheat the oven to 350°F. Cut the corn kernels off the cobs. (I use a Bundt pan--see hint in the post above.)
Heat the oil in a large cast-iron or oven-proof skillet. Add the corn, onion, garlic, chili powder, smoked paprika, and cayenne pepper and cook until the vegetables are tender, about 5 minutes.
Beat the cream cheese in a large bowl with a hand mixture until creamy. Add the mayonnaise, ½ cup of the pepper Jack, Cotija, lime zest, lime juice, and cilantro and blend until creamy.
Fold the corn mixture into the cream cheese mixture. Return to the skillet and spread into an even layer. Sprinkle the top with the remaining pepper Jack cheese. Bake for 20 minutes until the dip is bubbly and the cheese is melted.
If desired, increase the oven temperature to broil and cook for 2 more minutes or until the cheese is browned. Remove from the oven. Let cool slightly and garnish with lime wedges and cilantro, if desired. Serve with chips.