top five from the 90's
1. Radiohead-The Bends
2. My Bloody Valentine-Loveless
3. Radiohead-Ok Computer
4. Neutral Milk Hotel-In the Aeroplane Over the Sea
5. Jeff Buckley-Grace
top 5 from the 00's
1. Radiohead-Kid A
2. Doves-Lost Souls
3. Arcade Fire-Funeral
4. Decemberists-The Crane Wife
5. Tori Amos-Scarlet's Walk
so answer is
1. Radiohead-The Bends
one note there is very little difference between any of these albums love them all and they could all be my favorite album of the last 20 years.