I agree with everything else you said except this.
At first when they used to put their burritos together they put the stuff in separate clumps. So when you bit in all you got was avocado or just sour cream. Then they got smart and did this thing where they mixed the ingredients before putting them in. But then that held up the line too much so they're back to separated globs.
And burritos should not be steamed. They should be lightly browned for that mostly tender, slightly crunchy texture of perfection.
My theory is that Chipotle is doing well because Asians like their burritos the way they like their dim sum, i.e. wet and soggy.
I actually have not tried their burritos. I like the bowls.