Sorry for not really answering your questions. In the past, I have found a lot of information from SDN: http://forums.studentdoctor.net/threads/doctoral-applicants-read-first-helpful-threads.714255/.
I do want to speak to the affirmative action question. I too am a person of color who has gone through the application process before (and currently). Some schools do say that they encourage people of minority groups to apply to increase diversity within the programs, but I would not put too much weight into that. I've read (Insider's guide to graduate programs in clinical and counseling psychology) that being a minority, in some cases, may get your application to be reviewed more closely or even invited to interview but the most important part about the selection process is the research match and your ability to be successful in a program. So, although your minority status may get you past a certain point in the process, you should still be a competitive applicant.