I think it's between Kwan in '98 and Kerrigan in '94 given the choices available.
I'm pretty surprised that Lu Chen in '98 is so far ahead in the voting given the fact that she clearly under-rotated 4 triple jumps in Nagano (the 3Lutz in combination in the SP, the 3flip that she also stepped out of, the 2nd 3Lutz, and the 2nd 3toe in the 3toe+3toe combo, which she also two-footed in her LP, would all have been downgraded to double jumps under COP). She had strong programs presentation-wise, but very weak technically if you ask me. I think Maria Butyrskaya should have won that Olympic bronze medal in 1998.