::GetSystemMetrics (SM_CYBORDER)
...comes back with 1 and I know the title bar is taller than ONE pixel :/
I also tried:
RECT r;
Head Geek gives the detailed answer: use GetSystemMetrics to add up the caption and border bits. You can also do a difference on width/height between the GetWindowRect and GetClientRect. This will give you the total of all captions/borders/etc.