I have the TCH with Bluetooth...no NAV. My system displays the incoming number. Originally I had a Motorola V710 (I think) and my current phone is a KRZR K1M and the carrier for both phones is Verizon. I believe both the phone and the carrier may impact the interaction with the Toyota Bluetooth...Check the Toyota website for guidance on compatible phones.
I know I was quite disappointed that there is no automated way to enter your phone's directory(mine has 350 contacts) into the car's system and/or use the voice dialing intelligence of the carrier to make calls by simply activating the cars microphone to interface to the phone's voice dialing. Maybe some hacker has cracked this. Best I've done is to manually enter key numbers and assign speed dial. Please do post anything else you learn here. If I come across any of the research/sites I did on this in November 2006 when I bought my car, I'll do the same.
P.S: I went back to Howards Forums and searched "Toyota Bluetooth" here is just one thread that may be of help:
http://www.howardforums.com/archive/topic/929013-1.html Within this thread it gives this Bluetooth/cellphone Toyota link:
http://toyota.letstalk.com/bluetooth/bt_userguides.htm
I don't know whether you'll need to register at howards but it is to cellphones as these forums are to Hybrids.