Cook the beef in a skillet over medium heat until browned, breaking it apart as it cooks. Drain excess fat, stir in taco seasoning, garlic powder, onion powder, and water, then simmer 5–7 minutes until most liquid evaporates. Adjust seasoning and set aside.
Prepare the fillings: cook or warm the rice and beans, mix the shredded cheeses, and have sauces ready.
To assemble, lay a tortilla flat, spread with sour cream or chipotle mayo, add rice, seasoned beef, cheese blend, crushed chips, and beans if using. Drizzle with nacho cheese, fold the sides in, and roll tightly. Repeat with remaining tortillas.
For the cheese crust, heat a nonstick skillet over medium heat and butter one side of each burrito. Sprinkle shredded cheese onto the skillet, place the burrito seam-side down, and press gently.
Cook 2–3 minutes until the cheese forms a golden crust, then flip and toast the other side. Serve hot.