PC memory was nearly always sold in powers of two. So you could have SIMMs in capacity of 1MiB, 2MiB, 4, 8, 16MiB. You could usually mix-and-match these memory modules, and some PCs had 2 slots, some had 4, some had a different number of slots.
So if you think about 4 slots that can hold some sort of maximum, we're thinking 64MiB is a very common maximum for a consumer PC, and that may be 2x32 or 4x16MiB. Lots of people ran up against that limit for sure.
640MiB is an absurd number if you think mathematically. How do you divide that up? If 4 SIMMs are installed, then their capacity is 160MiB each? No such hardware ever existed. IIRC, individual SIMMs were commonly maxed at 64MiB, and it was not physically possible to make a "monster memory module" larger than that.
Furthermore, while 64MiB requires 26 bits to address, 640MiB requires 30 address bits on the bus. If a hypothetical PC had 640MiB in use by the OS, then only 2 pins would be unused on the address bus! That is clearly at odds with their narrative that they were able to "borrow" several more!
This is clearly a typo and I would infer that the author meant to write "64 megabytes" and tacked on an extra zero, out of habit or hyperbole.