Heat oil in a large pot over medium heat. Add garlic and sliced onion, stirring until soft, about 5 minutes. Add bell peppers, cauliflower, pearl onions, carrots, and habanero (or jalapenos). Cook, stirring occasionally until the vegetables are tender-crisp, 7 to 8 minutes. Stir in vinegar, bay leaves, salt, oregano, cumin seeds and the spice bundle and cook 3 minutes more.