Runaway Train, by Soul Asylum.
This song is a perfectly fine song, that I feel like heard 14,035,120 times on MTV after enjoying it the first couple hundred times. Sometime late in high school, I went to a show at Bayfront Amphitheater (we bought tickets that time, not like the Pearl Jam show), that went Screaming Trees > Soul Asylum > Spin Doctors, and if that isn’t a story about music in the ’90s, I don’t know what is.
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Haven’t heard it in decades, but feels like I got it right! Cowboy hat because it’s a train song, I guess?