In nearly all the examples of functors I see defined in my course, they are always just defined on what they do on objects of their categories (even sometimes not even that). A classic example:
$$M\otimes_B-:{_B\text{Mod}_C}\rightarrow {_B\text{Mod}_C}$$
No definition of action on objects of the first category nor definition of how it acts on function.
Obviously, the action on objects is clear in this case (and in nearly all the cases I've seen).
$$(M\otimes_B-)(X) = M\otimes_BX$$
On functions, it could be less clear but even then, the only possible option to me seems
$$(M\otimes_B-)(f)(m\otimes_B x) = m\otimes_Bf(x)$$
However, how do I know that my intuition is correct? Is category theory so well done that our intuition is always the only thing that works? Or are there some cases where multiple options are possible and in that case, we would have to define things properly.
When this is done it is because (a) there is only one real candidate that makes any sense, (b) this candidate is screamingly obvious (via the intuition* that you correctly reference), (c) it's automatic or formal that it is going to work because of the definition on objects, and (d) the author is saving the reader's time because people reading this don't need everything spelled out. So while I sympathize with you, this will never change.
*perhaps more relevant term: experience.
To step back a bit, how about an easier example. Fix a set $A$ once and for all. "Define" a functor $F: \mathrm{Sets} \to \mathrm{Sets}$ by $F(X) = A \times X$ on objects and "the natural action on morphisms." Do I have to tell you what this does on maps or is it clear? Most would claim it is clear and likely has something to do with mapping properties of the product, since that is what my functor is trying to do on objects. For sure, given $f: X \to Y$ I intend for $F(f): A \times X \to A \times Y$ to act as $(F(f))(a,b) = (a,f(b))$.
The same thing happens with your tensor product example. With $F(-) = M \otimes_B -$ there is really only one thing that is useful/sensible on morphisms. Given a module map $f: X \to Y$ we get a map $1_M \otimes f: M \otimes_B X \to M \otimes_B Y$ via $(1 \otimes f)(m \otimes x) = m \otimes f(x)$ because it's suitably bilinear before passing to the tensor product. And look, that's exactly what you thought it was in your answer. So, you are doing it right all along.