For me, Moe's is the Chipotle killer. I have been a Chipotle lover for years until I discovered the joy that is Moe's, and here's why.
First of all, Moe's has more selection in toppings for your burrito or the bowl.
Second, chips and salsa is free. And I don't mean you get one little cup. They have a salsa bar and you can get all you want. And it's all for the same (or very close to the same) price you would pay for a burrito or bowl at chipotle.
If there is a Moe's near by I don't see a reason to ever go to chipotle anymore. Don't get me wrong, Chipotle isn't bad, its just that at Moe's you get more for the money, and taste better too. The one advantage Chipotle has is that they are open an hour later until 10pm. Moe's shuts it down at 9pm.
Go to Moe's! If you have never been you NEED to try it out, it might change your bowl/burrito eating life!