5. Silver Jews- American Water
Love you!
Top five?  Nah, fuck that. but here's a few I like that haven't been mentioned so far:
- Massive Attack: 
Blue Lines.  (I, too, love 
Maxinquaye, but it falls away in the last few tracks.  
Blue Lines is solid all the way through.)
- Will Oldham: 
Lost Blues and Other Songs (technically a compilation, so if I have to choose an actual "album" album I'll go with 
Viva Last Blues.)
- Cat Power: 
Moon Pix.
- The Tea Party: 
Splendor Solis (sure, it's wanky as all hell, but god-damn it's awesome.  Sadly it was all down hill after that.)
Also, 
Nevermind.  Shut up, kids, you weren't there.
Also also, 
Last Splash would be a killer album . . . if it wasn't for all the filler.
Doubtless I'll think of a gazillion more when it's not 8:30 in the morning.