Osborne was always ahead of the curve when it came to college football. I remember prior to the 1995 OB vs Miami, he was insisting that there should be a playoff system because had Nebraska won and Penn State beat Oregon the following night in the Rose Bowl, Nebraska would win the NC outright which is exactly what happened. People (media and coaches) scoffed at his ideas.
So, Osborne was always thinking ahead. If he didn't retire in 1997, I imagine offensively he would slowly gravitate towards a Power Spread RPO type of offense. I think most of the defensive staff would have been retained and we saw that happen with Solich up until 2002 happened. With Tom as HC, 7-7 doesn't occur. Neither does Bo Pelini. Maybe Frost is on his staff or Turner Gill is groomed to be the next guy instead. I'm sure Tom thinks about the "What If?" Scenario as all humans do. We could have been in Frost or Gill's 10th year by now.