Loaded Smothered Beef Burritos

olive oil, divided

ground beef (I used 90% lean)

small sweet Vidalia or white onion, diced small

packet taco seasoning (I used medium heat, reduced sodium)

large (10-inch, burrito size) flour tortillas

refried beans

8-5 ounce package precooked rice (I used Spanish Rice)

+ 1 1/2 cups Mexican shredded cheese blend, divided

red enchilada sauce (I used medium heat)

cilantro, optional for garnishing