That sounds yummy. I never buy plain.I also make the plain frozen ones at home occasionally with cream cheese, bacon bits, and chives on top.
I can pretty much echo that, PnM, but I do like cream cheese also.My favorite is toasted cinnamon raisin with a little butter and cinnamon sugar on it.
Second favorite is toasted sesame with butter and strawberry jam.
Not a big fan of cream cheese on my bagel, but I don’t hate it, either.