Taco Salad with Lime Vinegar Dressing

1 pound lean ground beef

¾ cup water

1 (1 ounce) packet taco seasoning mix

1 head romaine lettuce, chopped

1 (15 ounce) can kidney beans, rinsed and drained

1 (10 ounce) basket grape tomatoes, chopped

1 avocado, pitted and sliced

½ cup chopped carrots, or to taste

½ cup chopped green bell pepper, or to taste

½ cup chopped celery, or to taste

¼ cup shredded Cheddar cheese, or to taste (Optional)

¼ cup lime juice

3 tablespoons honey

2 tablespoons champagne vinegar

2 tablespoons chopped fresh cilantro, or to taste (Optional)

2 tablespoons Dijon mustard

3 cloves garlic, minced

salt and ground black pepper to taste