Lenina Crow

Agreed with the above.
Your SOP can have similar elements across applications but should absolutely be tailored to each program. Something else to keep in mind is that each program might specify something different that they want in a SOP (some have strict word lengths, some have a detailed outline, some are very general). You want to make sure your SOP for each program fits what they are expecting.  

Like PsyDgrad pointed out, if you are interested in a clinically focused career and subsequently a clinically focused degree, an online program would not suffice. 
What do you mean that you want it to "set you up" for a PsyD? Masters degrees arent required for doctoral programs, though they're sometimes recommended to boost your application (though I'm sorry to say an online masters is not likely to boost your application in any substantial way, and may actually be a detriment to your application. Online degrees in our field are not looked upon fondly). A reputable in person masters degree can be good if you had a poor undergraduate GPA, but otherwise, you can gain experience through other means (volunteer or paid research assistant, for example).

I would definitely get more research experience because you will be competing against other applicants who have presented at national conferences and possibly have publications. Your undergrad GPA is great, so if you could secure a research position and work in it for at least a year (though 2 would probably be better), get great LORs and do well on the GREs, you'd be in great shape. 

True. 

If you want to practice, you will need to attend a (hopefully APA accredited) clinical or counseling program. 

A phrase "a bird in the hand is better than two in the bush" comes to mind. 
 
My opinion as a student who hopes to be a PI one day: backing out now for any reason besides a major illness or personal problem would be terrible, if not black-ball you outright from that bridge and any bridges connected to that bridge. The field of psychology (and whatever sub-discipline you care about) is really small. If you piss off even a small handful of people (your PI, that program, any students), word can travel fast to other institutions.
 
As has been noted elsewhere, plenty of good PIs come from not "top-tier" schools. In fact, the top-tier thing isn't really an issue in some disciplines (e.g., clinical) relative to other disciplines; what matters is your scholarly output. Will you be able to generate a lot of pubs/posters/etc. with your mentor at the place you have accepted? If so, it's okay. 
 
A lot of people get cold feet (me included, and I am in a wonderful lab at a wonderful program in a great city). I would encourage you to sit this out and not back out and burn the bridges. 

Go for it. The worst they can do is not invite you to interview. Just because you didn't get in last round, doesn't mean they didnt like you!

I don't know if this is advice or just a reality check. Whatever it is, I hope it's helpful.
You're going to be told by many people that you're super intelligent with a lot of accomplishments so you're basically guaranteed to get a spot in a PhD program and probably a top one. You are super intelligent and accomplished, but it's REALLY hard to get into a program. You're competing against people who are just as super intelligent and accomplished as you (maybe more so). Don't feel entitled to a spot. Don't put a ton of pressure on yourself that you MUST get in this year. Do apply to a realistic set of schools (not everyone can get into a top school and not every top school is right for you)
 

I personally found Magoosh helpful (did the 6 month plan), as well as membean for the verbal section (this was my weaker area). 

I personally found Magoosh helpful (did the 6 month plan), as well as membean for the verbal section (this was my weaker area). 

I personally found Magoosh helpful (did the 6 month plan), as well as membean for the verbal section (this was my weaker area). 

Don't do it on your own. Like, PLEASE, don't go through this process on your own. I made this mistake. I did it because I didn't feel much support from the professor I was working with, BUT if I could do it again, I would find someone who did believe in me and wanted me to get into grad school. Find a professor who will read your statement, CV, etc. This will tremendously help your applications and your stress.
Reach out to POIs before you apply. I didn't do this, and definitely missed out on saving some time and money. I advise this because you never know if a POI's research is heading towards or away from your area of interest. I was super lucky in that I applied to someone who's research wasn't too close to mine, but after interviewing I found out they're starting new work with my population of interest. I REALLY wish I would have known that before I applied. Other POIs I interviewed with had their research heading down a completely different path– that could've been a good several hundred dollars saved. 
What you think is your top choice might not be your top choice after visiting (and go on all the visits you can). Copying @GradPerson verbatim because THIS. IS. SO. TRUE. When I first applied, the school I have now committed to I wasn't extremely excited about (for personal reasons). I fell in love with the program on my interview, and I honestly could not be more excited about attending in the Fall. I can't imagine going anywhere else.
BREATHE. Seriously.

Formally accepted my offer for the University of Houston today! 
This was my 3rd round and I'm 3 years post masters, so this is a great feeling. I am celebrating by cuddling with my dogs and planning my honeymoon (why I thought it was a good idea to get married during grad school application/interview season, I have no freaking idea)

As an update for the folks who helped me (and for future applicants who may be in my situation): I got a full-time job as a research coordinator in an extremely productive lab at an amazing institution (which I frankly didn't think I had a shot at getting into). I'm honestly more excited about this "acceptance" than the three non-funded PsyD acceptances I had earlier this year, which really solidifies 1) the fact that I'm passionate about research, and 2) that I've made the right choice by declining offers and planning to reapply to PhD programs in a few years.
Yaaaay

Absolutely this. During my last application round, I had 2 years less research experience and my GRE scores were not nearly as competitive. However, I still managed to land a few interviews, 1 of which at a prestigious university, thanks to my research fit and my SOP (definitely didn't have any connections to any of the programs). Ended up being first alternate at that program, which I think was largely due to my very luke-warm interview. It wasnt terrible, but I definitely didnt have the interview skills I do now and I think that is what hindered me the most. 
Stats absolutely help get you in the door, but excellent stats will not compensate for a poorly written SOP or a presumptuous personality. 

Formally accepted my offer for the University of Houston today! 
This was my 3rd round and I'm 3 years post masters, so this is a great feeling. I am celebrating by cuddling with my dogs and planning my honeymoon (why I thought it was a good idea to get married during grad school application/interview season, I have no freaking idea)

One of the best pieces of advice I got from a previous advisor and current letter writer was to ask for strong letters of recommendation when applying--dont just ask for a letter. 

One of the best pieces of advice I got from a previous advisor and current letter writer was to ask for strong letters of recommendation when applying--dont just ask for a letter. 

One of the best pieces of advice I got from a previous advisor and current letter writer was to ask for strong letters of recommendation when applying--dont just ask for a letter. 

One of the best pieces of advice I got from a previous advisor and current letter writer was to ask for strong letters of recommendation when applying--dont just ask for a letter. 

Absolutely this. During my last application round, I had 2 years less research experience and my GRE scores were not nearly as competitive. However, I still managed to land a few interviews, 1 of which at a prestigious university, thanks to my research fit and my SOP (definitely didn't have any connections to any of the programs). Ended up being first alternate at that program, which I think was largely due to my very luke-warm interview. It wasnt terrible, but I definitely didnt have the interview skills I do now and I think that is what hindered me the most. 
Stats absolutely help get you in the door, but excellent stats will not compensate for a poorly written SOP or a presumptuous personality. 

Absolutely this. During my last application round, I had 2 years less research experience and my GRE scores were not nearly as competitive. However, I still managed to land a few interviews, 1 of which at a prestigious university, thanks to my research fit and my SOP (definitely didn't have any connections to any of the programs). Ended up being first alternate at that program, which I think was largely due to my very luke-warm interview. It wasnt terrible, but I definitely didnt have the interview skills I do now and I think that is what hindered me the most. 
Stats absolutely help get you in the door, but excellent stats will not compensate for a poorly written SOP or a presumptuous personality. 

Absolutely this. During my last application round, I had 2 years less research experience and my GRE scores were not nearly as competitive. However, I still managed to land a few interviews, 1 of which at a prestigious university, thanks to my research fit and my SOP (definitely didn't have any connections to any of the programs). Ended up being first alternate at that program, which I think was largely due to my very luke-warm interview. It wasnt terrible, but I definitely didnt have the interview skills I do now and I think that is what hindered me the most. 
Stats absolutely help get you in the door, but excellent stats will not compensate for a poorly written SOP or a presumptuous personality. 

My quant score was even lower than this persons (159 V, 5.5 writing) and a 3.2 undergrad GPA. I’ve been accepted to a R1 school for clinical psych PhD. Acting like it’s a number games is very wrong. “Stats” get you through the door but it’s your interviewing skills and general likability that actually gets you offers. 

Formally accepted my offer for the University of Houston today! 
This was my 3rd round and I'm 3 years post masters, so this is a great feeling. I am celebrating by cuddling with my dogs and planning my honeymoon (why I thought it was a good idea to get married during grad school application/interview season, I have no freaking idea)