never toasted.
usually butter, cream cheese only if it's a bagel.
in order of preference,
1. rye
2. bagel (everything > salted > plain)
3. rolls (kaiser > portugese)
4. white bread
I live a couple blocks away from a pretty famous rye bread bakery, so that's where I usually go... when that's impractical, I'll hit the bakery section of my grocery store for rolls... very rarely, I'll buy white bread (typically only if I need bread for making a meatloaf or something, or if I'm expecting company).
it's pretty rare for me to buy bagels outside of getting a bagel w/ cream cheese from a bagel bakery on my way to work for breakfast.