Mix softened cream cheese, sour cream, ranch seasoning, garlic powder, pepper, salt until smooth
Warm tortillas 10-15 seconds if needed to prevent cracking
Lay tortilla flat, spread ¼ cream cheese mixture evenly to edges
Layer spinach over cream cheese, leaving 1-inch border at top
Add 2 slices turkey or ham if using
Sprinkle bell pepper, cucumber, carrots, onion evenly
Add shredded cheddar and herbs
Roll tightly from bottom, keeping fillings tucked
Press top edge to seal using cream cheese as glue
Wrap tightly in plastic wrap, twist ends
Repeat with remaining tortillas
Refrigerate at least 1 hour up to 24 hours
Unwrap, trim ends with sharp knife
Slice each roll into 6-8 pinwheels (1 inch thick)
Wipe knife between cuts for clean slices
Arrange cut-side up on platter
Serve immediately or refrigerate covered until serving