I have a question Barb. Would most Americans say "I have eaten breakfast/lunch/dinner" or "I have had breakfast/lunch/dinner"? I and most BrE speakers (I think) would use "had".Right.
You're okay with other verbs in that tense, right?
I've eaten at this restaurant a couple times.
I've been to Paris twice.
I've seen this movie already, but it's good enough to see again.
So "I've had" is just another case of that with "to have" as the main verb.
I have a new kitten. I've had her for 3 weeks now.
I have a headache. I've had one off and for days.
I have a Pontiac Vibe. I've had it for 5 years.