In a large skillet, heat oil over medium heat; saute chipotle pepper, garlic and seasonings 2 minutes. Stir in beans and water; bring to a boil. Reduce heat; simmer, uncovered, until flavors are blended, 5-7 minutes, stirring occasionally., Coarsely mash bean mixture; stir in pico de gallo. Spoon onto tortillas; top with cheese and sour cream and roll up. If desired, serve with additional pico de gallo and sour cream. Freeze option: Cool filling before making burritos. Individually wrap burritos in paper towels and foil; freeze in an airtight container. To use, remove foil; place a paper towel-wrapped burrito on a microwave-safe plate. Microwave on high until heated through, 4-6 minutes, turning once. Let stand 2 minutes.