I've read lots of hype on In & Out, AFAIK they're just a west coast chain, so I've never been to one. 5 Guys here on the east coast is very good, but also very pricey. A couple burgers, shared order of fries and fountain drinks and you're lucky to get out for under $40.
Agree that fast food places aren't a bargain anymore, don't visit as often as I once did. Can't beat 'em when you're in a hurry, on the road, etc. for the convenience and consistency.
I disagree on the fast food chains though...one of their big advantages is consistency from one location to another. Most, if not all have inspectors who ensure the franchisees are following the script. Locally owned restaurants are always a crapshoot if you're in an unfamiliar area...you might get the meal of your life at a reasonable price, or you might hit the worst diarrhea-inducing greasy spoon in a 50 mile radius.
I don't drink coffee, never visited a Starbucks.