637k is pretty good! There was an automated command in later DOS versions that would try to optimise memory, but I don't think it got results as good.
MEMMAKER. It was okay, but it was so invasive in modifying your CONFIG.SYS and AUTOEXEC.BAT that I never really trusted it. I preferred hand-optimizing.
Its not just good, its the maximum you can get with MS-DOS. The remaining 3 kb are the interrupt table, the BDA and the IO.SYS stub.
This was detailed in Geoff Chapells "DOS Internals". I loved that book.