Prep. Grease a 9x13-inch baking dish. Add bagel cubes to the dish.
Add mix-ins. Sprinkle in shredded cheese, cream cheese cubes, green onions, and any add-ins like cooked bacon/sausage. Toss lightly to distribute.
Make custard. In a bowl, whisk eggs, milk, cream (if using), Dijon (if using), garlic powder, onion powder, salt, pepper, and everything bagel seasoning.
Soak. Pour custard evenly over the bagels. Press down gently so the bagels soak. Cover and refrigerate at least 30 minutes or up to overnight.
Bake. Heat oven to 350F. Cover dish with foil and bake 30 minutes.
Finish. Remove foil, sprinkle a little extra everything seasoning on top, and bake 12 to 18 minutes more until puffed, golden, and set in the center.
Rest and serve. Rest 10 minutes before slicing. Serve warm (and add smoked salmon on top if you want that deli moment).