What on earth are "ham-and-cheese tortillas"?
Or maybe I just don't want to know.
Take flour tortilla, very inexpensive in large quantities at your Carolina del Norte Walmart. Place in skillet. Put slice of cheese (swiss, in this case) and slice of ham on tortilla. Heat until cheese melts. Fold in half, and heat on both sides until tortilla is slightly browned. Eat, getting cheese and scorched tortilla bits on the recliner, if you’re Bill, just to show you’re in a snit over being told to turn the radio off.
If the gas is on too high, the tortilla will burn before the cheese melts, just like with a grilled-cheese sandwich. That was what I smelled. Sometimes the fire alarm goes off, too.