Heat a large skillet over medium-high heat and add the ground turkey. Brown the meat, breaking it into small pieces as it cooks, until no longer pink.
Stir in the garlic powder, cumin, kosher salt, chili powder, paprika, and oregano until the meat is evenly seasoned.
Add the minced onion and bell pepper to the skillet, then pour in the water and tomato sauce. Bring to a simmer, cover, and cook on low for about 20 minutes until the sauce thickens and flavors meld.
While the meat simmers, make the dressing by whisking together the salsa, olive oil, and lime juice.
Portion the chopped romaine evenly into 4 bowls or meal-prep containers.
Divide the cooked meat evenly among the 4 containers, then top each with pico de gallo and shredded cheddar. Pack lime wedges and optional toppings (Greek yogurt or sour cream, guacamole) separately.
Transfer the dressing into four small containers. Refrigerate everything until ready to serve.
To serve, reheat the meat, place the lettuce on a plate or bowl, top with warm meat, pico de gallo, cheese, and finish with dressing and lime wedges.