It’s just possible that top-end steakhouses may be an exception to the "chains are bad" assumption anyway. These days, when our government has decreed leaner meat (and debased the meaning of "prime" and "choice"), the high end steak chains (esp Morton’s and Ruth’s Chris) have the clout and wherewithall to demand the best meat available and to make sure it is properly aged and stored prior to being served. While you may prefer the ambience or service elsewhere, I doubt you’ll get a better piece of meat.
PS–All this Baltimore chatter, especially about N. Calvert St., is making me all gooey nostalgic over "bright college days". Back then, I lived for a year on Guilford Ave., one block over from Calvert.