
I work in an office that "imports" bagels from a place in Brooklyn every couple months that are worth fighting for any day of the week. They are crisp on the outside and soft and chewy on the inside. They are good without being toasted or tampered with in any way. If you choose to add toppings to them you will still know you have a superior carrier.
The bagel shops here almost burned down City Hall when they threatened to change the composition of the water thus altering the NY bagel. City Hall eventually agreed with the bakers and left well enough alone.
I am not sure how to tell you to find the perfect bagel when in NY other than to say that the sketchier the shop the better the bagels. Happy Hunting!