Then the only things left are track, vehicles, and structures. I guess it is a '90s vehicle.
Well, I doubt it's track, but track with concrete ties might qualify.
Our insider did mention that he would want one when issued in the right "road name" so rolling stock, perhaps passenger cars, like mass transit commuter cars makes sense, but sort of don't match the road name comment. So maybe a business car with the glass back platforms?
Roadrailers isn't a bad guess, half trailer, half railcar, but not quite either.

Could also be a crane, track inspection vehicle, or some MOW vehicle, although MT has the tie machines, etc., so I feel unlikely. Ditto some kind of , some of which have been done.
As to typical enough in the 1990s, for "everyone to want one" railroads rebounded economically due to growth of unit trains, in COFC, TOFC, Well cars, automobiles, coal, grain, and food (i.e. the old BLMA 70 foot reefer unit trains, but that is sort of area specific)
There are sure enough vehicles to be made, as CMW is mostly 50's. The iconic cars of the 90's like Ford Trucks and Hummers have been made.
I would guess a 90's structure would be a Starbucks Coffee, maybe in drive through and sit down variations. Maybe some other chain, like Chili's?
Railroad structures might be diesel locomotive fueling racks, available in brass and from Bachman, but probably long out of stock?
Possibly a new street system, including crossings to fit Atlas C55 and/or C65 track, and/or interstate roads. Maybe a re-issue of the BLMA 90's style billboards in new schemes? (They are sweet!)
The railroads killed a lot of jobs in the 1990's due to tech, maybe a railroad unemployment office? They made a lot of money, so maybe a bank building? And, there were a large number of mergers in the 1990's so maybe they reissue some of that generation's locos in more patch job schemes? Maybe a 3 pack of GP38 or similar in BN, ATSF, and BNSF (or patch, or Frisco, etc.) or UP/WP/SP/CNW/DRWG (probably need two 3 packs per mega merged railroad, eh?
Or maybe, it's scaling down automatic train control for more prototypical ops? We could now control our union pacific themed layout from Omaha? Or their own track powered Freds that can be installed in any car?
I guess we will have to see.