No meat?
EDIT: crap, missed that you said steak.
Your burrito is a swamp of sauces and Mexican condiments and rice/beans.
The depiction in my head is of me eating a combo of mayo, mustard, and ketchup in a sandwich. No offense..it's your opinion and your taste, but to me, it doesn't go well in my head.
And as for those saying Chipotle's overpriced, a triple-meat-triple cheese burger from Whataburger and a drink are way more expensive than a burrito + drink and chips from Chipotle. And both fill me up about the same.
I got to Chipotle because it's close. The nearest Freebirds to me is like 20 minutes away-- when there's no traffic, aka when everyone evacuates for a hurricane. That freebirds is located on a street that is ridiculously busy all the time, so it takes a long time to get there. If it wasn't so far, I would go there, because I agree that Freebirds is the shit.
And I've never heard or seen a Qdoba's or whatever the heck it is.