Preheat air fryer to 350°. In a large bowl, combine Worcestershire sauce, garlic, seasoned salt and pepper. Add beef; mix lightly but thoroughly. Shape into four 1/2-in.-thick patties.
In batches, place burgers in a single layer on tray in air-fryer basket. Cook until a thermometer reads 160°, 8-10 minutes, turning halfway through cooking. Remove burgers from basket. Top with cheese; cover until cheese is melted, 1-2 minutes.
Meanwhile, in a small bowl, combine mayonnaise, ketchup, vinegar and honey; spread over cut sides of buns. Top bun bottoms with bacon, burgers, french-fried onions and, if desired, lettuce and tomato. Replace tops.