@seola30 First off, wecome to Audiogon. It looks like you just joined today and this is your first post.
Just my take on your question but here goes. Taste in music is very much tied to generations in 5 - 10 year blocks. You are 20ish and I'm 68 so the music on "my youth" could be mostly unknown to you. REM is a solid pop band but by no means would I put them anywhere near the top either by music or by lyrics. But that's just my take on them based on comparisons to the bands I grew up with. If you would like to get a sense of what I think is near the top, give several listens to the following:
Neil Young - FREEDOM (1989)
Ry Cooder - Chicken Skin Music (1976)
Rolling Stone - Sticky Fingers (1971)
After you have become familiar with these three discs, see if you still think REM are worthy of top of the pack status.
One generation to another. Some music really stands the test of time. Cheers.