If you have never replaced the expansion tank on your '95, odds are that if you cut it open, you will find that it is crumbling inside. If it is crumbling inside, you will get phantom low coolant warnings from the water surging against the float, and it will tend to suck air into the cooling system.
Too much coolant won't cause the car to overheat. If you cap is working properly, the excess coolant should push out the first time the car gets fully warm.