Barb, I've never had a hoagie in north Jersey, but in the places I've been in since leaving Philly they're definitely not as good. I agree with you, it is the bread that makes the sandwich! You just can't get that crusty chewy bread out of that region of the country.
I never heard of any of them until Pizza Hut opened in my area when I was a child and they offered submarines. Then, as an adult, a friend of mine made hoagies. Hers were made with kaiser rolls, 3 types of meats, 3 types of cheeses, mayo, a slice of tomato, a slice of onion, and seasonings. So, if they are cold, I call them subs/submarines and if they are hot, I call them hoagies.
I was born in Pennsylvania, spent some of my childhood there, and we always called them submarine sandwiches. When I lived in Texas for awhile they called them hoagies. My husband from MA calls them grinders. To me, a hoagie has mayo and is just like a sandwich on a sandwich roll. A submarine has Italian dressings like with thin onions and other veggies. Coming back from Europe that was one of the first things I would always want!
__________________ "Never allow a person to tell you no who doesn't have the power to say yes."
—Eleanor Roosevelt