I feel like you're distorting the argument. Understanding someone else is a matter of degree. The argument isn't that just because I'm, say black, I understand another black person completely or even well. It's just that I'm more likely to holding all other factors constant.
Low, unfortunately Unless you are applying through discretionary - in that case it would be hard to tell.
Your predicted index is 91.39 (over 92 is safe) and this year so far is looking like it may turn out to be more competitive than usual.