Preheat the oven to 375°F (190°C).
Grease a 9x13-inch casserole dish.
Make the special sauce: In a bowl, whisk together mayonnaise, sugar-free ketchup, mustard, pickle juice, vinegar, and sweetener. Adjust salt and pepper to taste. Set aside.
Cook the beef: Heat oil in a large skillet over medium-high.
Add the onion (if using) and cook 3–4 minutes until softened. Add garlic and cook 30 seconds.
Add the ground beef. Season with salt, pepper, smoked paprika, onion powder, and garlic powder.
Cook, breaking up the meat, until browned. Drain excess grease.
Stir in 2–3 tablespoons of the special sauce and half the chopped dill pickles. This flavors the beef and keeps it moist.
Assemble layer 1: Spread the beef mixture evenly in the casserole dish.
Top with the American cheese slices for that classic fast-food melt.
Assemble layer 2: Sprinkle the shredded cheddar over the American cheese.
Bake for 10–12 minutes, until the cheese is melted and bubbling around the edges.
Finish with fresh toppings: Let the casserole rest 5 minutes. Top with shredded lettuce, remaining pickles, and diced tomatoes (if using).
Drizzle generously with the remaining special sauce. Slice and serve warm.