I would probably say "I ate too much" simply because of the immediacy of the scenario. If I'm still sitting at the table, this means that I've just finished eating. I lean back, loosen my belt and groan "Oooh, I ate too much".
Conversely, if I leave the restaurant, get in my car and head home, I'd probably say "Oooh, I've eaten too much" as I head to the couch for a nap. This probably sounds odd but time seems to play a factor