Last sentence there gets to the key conundrum about the band. I used to think Banks was the keeper of the prog flame, but having heard In Too Deep etc, I’m not so sure. I do think it’s clear that Rutherford developed pop sensibilities early on (the dirge that is Your Own Special Way springs to mind), so maybe things weren’t clear cut.
I guess what you say about Banks is true, but after 81, there must have been an elephant in the room at Genesis get-togethers and writing sessions, which was that if Collins didn’t like it - the song or the band - it wasn’t gonna happen!