The thing about ram and the reason too much can be a bad thing:
Every os handles memory differently.... it has different sub-routines and functions written to acess and write to the memory. Every os has a different "sweet spot" i.e. an amount of memory that was used as a base when the functions were written. Generally these functions are written to handle far more than the base, BUT some of these functions are unoptimized to the point that when there is a butt-load of ram, say 10 times more than the base, your processor gets bogged down going through all these memory functions to the point that the ram is fine, but the processor is so bogged down with requests that the system actually performs slower.
Not only that but as older dos programs aren't expecting to see a lot of ram, they might not even utilize the extra memory. Remember, back in the day programs had to be small, and thus programmers cut out anything that wasn't necessary.
What I've written isn't black and white fact, it's just genral theory based on the way operating systems work and the way programmers think.
I hope that makes sense.
Long story short: I you have more than 64 megs of ram you should be using a modern os..... I don't care about the excuses, dos is only good for crappy hardware. If you don't like windows, use a stripped down version of linux, but regardless, dos is just too old to handle newer machines well.