Here it is 2021 and it still happens. If I change the option to not open as tabs, close PS and then reload it, change the option back to open as tabs, close PS and open it again it will work....for a while. Then the problem will reappear - days later. I am tired of this. It should have been fixed a long time ago.
It doesn't happen anymore with Tool bar when you move it to left top part of workspace, but when you move so your Options bar and open / create documents, they'll be much smaller.
This fixed it for me. However it shouldn't happen.
This problem is making an appearance again in the latest version of Photoshop (whatever is current as of Feb 9, 2022)
Moving the Tool Bar worked for me. Still this shouldn't be a issue.