This is one of my favorite snacks. I've been making variations on it for years. Lox freezes very well and cream cheese (especially the kind in the bar, which usually has a better ingredient list) lasts a long time, so I almost always have some version of the fixins around.
Simply cut sliced smoked salmon (lox) into bite sized pieces and top with dollops of cream cheese. It's lovely topped with chives or green onions or finely chopped red onion. If you're out of all of those (like I was today) you can get a nice bit of color and tang on top by chopping a couple leaves of arugula very fine and sprinkling it over the top. In a pinch I've used granulated onion powder. some people like a little lemon juice too. Who needs bagels?