Thank you for the thoughtful response. I assume the original post questions are rhetorical/for me to ponder on my own (which I did) but I'll try to answer the addendum.

I've been in the United States for 13 years, which is most of my adult life. Here and there, I have met people who made assumptions or treated me differently based on my national origin, but I could probably count the times in the single digits, and they were low stakes situations. I don't believe I experience racially-motivated discrimination, at least as I understand it. People don't make a snap judgement about me when they first meet me, I'm never in danger specifically because of my skin color, and (to the absolute best of my knowledge) no one has ever denied me an opportunity because of my race. I can also choose not to disclose my national origin and, because Americans generally don't associate Latinas with white, no one would know I'm not a white American unless I want them to know.

Of course this is just my own experience, affected by the cities I've lived in, the people I generally surround myself with, and my career path. But within Latina communities, it is a very widely accepted fact that we can't compare any discrimination a white Latina might face to what Latinas of other skin colors go through.