Conversation so far:
What changes were in store during the 90's?
Harms, disenchanted by the album's failure, left the group in early 1991.
How did that affect the group?
CANNOTANSWER.
Were there any other changes?
lost their recording contract with Epic, REO Speedwagon ended up releasing Building the Bridge (1996) on the Priority/Rhythm Safari label.
How did that album do?
REO Speedwagon ultimately self-financed this effort, which failed to chart.
Did that hurt them financially?
CANNOTANSWER.
Did the band change in any way?
1989, Gary Richrath quit after tensions between him and Kevin Cronin boiled over.

Question: Did the band end afterwards?
Self-contained rewrite: Did REO Speedwagon end after Gary Richrath quit?