There is a bagel shop in in my town that sells the most amazing bagels and donuts. They are made on site and their texture is amazing. Truly. The best I've had. Of all the possible toppings, the savory ones are most delicious with some veggie cream cheese and maybe a fried egg to top it off. While you may not have access to the best bagels ever, I'm sure this combination would improve any bagel.
8 oz Neufchatel cheese
0.5 red bell pepper
0.5 yellow onion
Mince the carrot, bell pepper and yellow onion.
Microwave cheese just to soften it. Mix in vegetable ingredients.
Cover and allow to rest in the fridge overnight. Spread on your toasted bagel in the morning.