01 - Set oven to 375°F (190°C) to ensure an even baking temperature.
02 - In a medium mixing bowl, combine softened cream cheese, sour cream, half of the shredded mozzarella, and half of the grated Parmesan. Stir until a smooth, uniform mixture forms.
03 - Spread the cheese mixture evenly on the bottom of an 8-inch oven-safe baking dish.
04 - Evenly spread pizza sauce or marinara over the cheese mixture.
05 - Sprinkle the remaining mozzarella and Parmesan cheeses generously over the sauce.
06 - Distribute quartered pepperoni slices and, if desired, chopped bell pepper and red onion on top.
07 - Add dried oregano, dried basil, garlic powder, and freshly ground black pepper evenly over the surface.
08 - Place dish in preheated oven and bake for 20 to 25 minutes, until the cheese bubbles and the top turns golden.
09 - Let the dish stand for 5 minutes. Serve warm with sliced baguette, breadsticks, or crackers.