Prep the veggies. Finely chop the bell pepper and cucumber. Slice the green onions thin.
Chop the herbs. Set aside a pinch of herbs for garnish.
Soften the cream cheese. Let it sit at room temperature for 15–20 minutes so it’s easy to mix. If you’re short on time, microwave it for 10–15 seconds.
Make the veggie cream cheese. In a bowl, combine cream cheese, chopped vegetables, herbs, a small squeeze of lemon juice, a pinch of lemon zest, and the grated garlic if using.
Season with salt and pepper. Stir until evenly incorporated and creamy.
Taste and adjust. Add more lemon, herbs, salt, or pepper until the flavor is bright and balanced. If you want a lighter texture, stir in a teaspoon of olive oil or a spoonful of Greek yogurt.
Slice and toast the bagels. Cut bagels in half.
Toast to your liking for a little crunch and warmth. Lightly brush with olive oil if you want extra crisp edges.
Spread generously. Slather each toasted half with a thick layer of veggie cream cheese. Sprinkle with everything bagel seasoning or sesame seeds if you like.
Prep the carrot dippers. Peel and cut carrots into sticks.
For extra flavor, toss with a tiny splash of olive oil, a pinch of salt, and a squeeze of lemon.
Serve. Plate the bagel halves with carrot dippers on the side. Garnish with the reserved herbs. Enjoy immediately while the bagels are warm and the carrots are crisp.