FYI, after doing some research I learned that water will expand 4% going from just before the freezing point to the boiling point. Coolant, which is 50% water, will show a similar expansion. From about room temperature to the boiling point, expect about a 3% expansion (it starts to expand at a non linear rate as the temperature goes up).
So that explains why your overflow tank level changes from a cold to a warm engine. The owners manual does say to fill the tank to the top line when the engine is cold, and does say it is normal for the level to change. But that doesn't explain why on my '93 Camry (soon to be sold

), the level stays exactly the same, warm or cold, but on my other two cars the level does change.
Anyone know why?
edit - also of note, because of what is known as an isochoric process, the larger the capacity of the cooling system, the more the level in the overflow tank will change, assuming the tank is approximately the same size on the various cars (the Toyota ones are all similar).