My two cents...
After our lunch today at Cozy's, Octarine and I headed over to Argyle to get some groceries. We also went to Vin Phat and got a combination banh mi. As I was walking to my car, I decided to get another banh mi (pork and pate) from Bai Le, just to compare...
Bread - Both were nice and crusty, but Bai Le's was crustier. It is all a matter of taste, but I am not a fan of way crusty bread, so I like Vin Phat's
Filling - Vin Phat is chock full of meat, and while Bai Le was a little skimpy on the meat, they did have a lot more of the pickled vegetables that I like. Also Bai Le added some fried shallots in the mix, and that sealed the deal. I prefer Bai Le for the pickled vegetables and shallots, but I prefer the taste of the meat from Vin Phat.
Cost - Vin Phat was $2. Bai Le was $2.50.
All in all, Vin Phat has my business, but I will definitely request more pickles and bring my own fried shallots... =)