Battle of the banana breakfast muffins

Packaging: O'Briens sticks to tradition with the usual scallop-edged cupcake liners. 
Muffin top: Very impressive. The Portobello-like muffin top is lavishly accented with chunks of hazelnuts. 
Flavour: Overall, there is a noticeable banana taste. Upon further investigation, we find the hazelnuts are only limited to the muffin top. Disappointment ensues. 
Texture: The muffin tastes almost like a dry butter cake, leaving our throats parched. 
Verdict: O'Briens fares better with their sandwiches.

Packaging: Encased in an easy-to-peel dark brown muffin wrap, minimal effort is involved. 
Muffin top: Unsatisfactory. The top rises to a meagre mound with a sprinkling of chopped walnuts. 
Flavour: Extra points for copious amounts of banana bits and crunchy walnuts, but to our utmost horror, this muffin is cold. 
Texture: Works for the first few bites, but the bready muffin is not as moist as we would have liked. 
Verdict: Generous with ingredients, this muffin shows some promise. But let's face it, cold muffins give a bad start to the day. 

Packaging: Starbucks and SFC have the same idea when it comes to muffin wraps, but Starbuck's is noticeably greasy. 
Muffin top: Non-existent. Muffin fills out the wrap nicely but the top is flat with spotty bits of melted chocolate chips. 
Flavour: When the muffin is warmed up, the melted chocolate is delicious but powerful; too powerful till it overrode any taste of the banana. 
Texture: The muffin is deliciously rich, thanks to the generous sprinkling and the ooey-gooey goodness of the chocolate chips. 
Verdict: Starbucks nails the perfect texture for fat breakfast muffins.

Packaging: The white muffin case is made of high grade paper and holds its shape well. However, the unfolding process gets rather messy. 
Muffin top: Competent. There is a slight overflow at the brim, and the top is studded with crushed nuts. 
Flavour: With a strong banana flavour, this muffin is lauded for being less sweet than its counterparts.  
Texture: The muffin crumbles easily. Too easily. We do not want muffin crumbs on our shirts during the morning meeting. 
Verdict: A fat banana breakfast muffin should not be crumbly. Needs a strong cup of tea to wash it down.