In warm weather, if I'm going to pack one for dinner, I'll ask for mustard dressing as it won't spoil in the heat. Ham, etc has preservatives. I too seek out the mom and pops most of the time.
Dunkin Donuts is coming on strong in parts of the country. They've got some pretty healthy offerings, and plenty of pedaling energy round things with holes.
Didn't realize Subway was so wide spread outside the US.