What about Bagel City in Rockville? 1. Their bagels are not the size of frisbees and not doughy (think Einstein or Chesapeake). 2. The crust is crispy with a great bite. 3. The inside has a great chew, not too soft, not too hard. Downside: servers/cashiers are rude, but worth the aggravation. PS, the bialys are great too (but extremely oniony-I dump out the onions when I get home).
I live close to both Goldbergs and Bagel City and I prefer the latter. I agree with your assessment on the crust/chew factor. Tasty, good size. Goldbergs are a little too bloated though I do like the taste. Funny enough, I actually find the service to be quick and very friendly at Bagel City when I go on a Saturday or Sunday morning - while I feel like I've gotten a colder shoulder at Goldbergs. But I'm not too fussed, they're just fetching 6 bagels out of bins for me. Oh and the 'Saturday' part of Bagel City is a plus for this gentile.