The only personal changes we see are,
- Trip and T’Pol ended their relationship after the death of Elizabeth, which is understandable
- Shran married Jhamel and has a daughter, which also makes sense
- Most of the crew confiding with Chef, which we have never seen before. Only the crew thanking Chef for a meal when they were in the catwalk in S2, and numerous reference the Chef during the series, suggesting that they did interact with him. But not as a confidant. Although, considering that we never see the crew get therapy upon returning from the Xindi mission and were sent back out after 3 months of shore leave with a couple of returns to Earth within the span of a year, maybe this is what prompted the crew to see Chef in this light.
Outside of that, the personal lives of the crew are indeed static, despite what the entire season suggested about the direction for each of them.
I feel a lot of the dialogue between Troi and Riker could have been rewritten to fit the ENT cast (Treaty of Algeron and the Federation cloaking ban become Treaty of Cheron and all experimental invisibility shields banned for the Romulans while Starfleet decommissions all United Earth ships; Pegasus can refer to a top secret mission carried out by Enterprise where 71 crewmembers lost their life and a mostly empty and lonely ship afterwards; Admiral Pressman becomes Admiral Douglas and swears the surviving crew to secrecy regarding the mission; the member of the crew acknowledging that Chef is the closest thing to a counselor on board; Enterprise will become a museum ship; Riker living with the guilt of the Pegasus for 12 years becomes Shran knows his associates for 12 years) and the rest of the plot remains in tact.
Alternatively, the episode would have been a decent sequel to “The Pegasus”, dealing with the immediate aftermath of those events.
Either direction would have led to a more respectable finale. The solution chosen was more in the middle.
The inherent problem with all that, though, is that the only reason why we had that story in the first place was because Berman & Braga were so insistent on bringing Riker & Troi into the finale and shoehorning 'The Pegasus' framing episode into it without really thinking it through. Had, say, Manny Coto or someone else who didn't have a hardon for TNG, Frakes, or Sirtis, and actually wanted to write a story dealing with the actual characters of the show (and not holograms) was in charge, the script would have been completely different.