I really think that Lover is on the list of top three best albums in my mind because,
i) I love the era of this album, it's like no one else.
ii) Taylor's songs and her lyrics really changed as the time changed, it doesn't feel like she wrote it for Fearless
iii) There's a maturity in this album, even when the songs don't signify this clearly, you could still see the maturity Taylor gained as she reached her thirties.
iv) These are not just a bunch of break-up songs so people can really enjoy it without having to deal with a personal feeling.
v) This album is really a show stopper, you can find any song as per your preference, for ex. Cruel Summer & ME! can put you in a party spirit whereas Cornelia Stree & Lover will get you hyped up for romance.