A few weeks ago, I had a toasted everything bagel, lox, cream cheese, onion, tomato, and capers at Olde World Bagels in Colorado Springs, Colorado. (Across the street from a decent Doubletree hotel, btw).
This place is pretty far from NYC ... but damn, it was legit. If you ever find yourself out there, it's worth a drive to this place.
http://www.oldeworldbagel.com/