The answers for what to send to DMProcessConfigXML are in MSDN but they are not very easy to understand. You need to look into the Configuration Service Providers documentation.
Basically you give it XML that will either query or set some sort of system parameter and it returns you XML as the result. There is service providers for almost everything on the device. You have to be specific about what you want then I can point you in the documentation and samples that you want.
For example you can use it to query a registry value
You give it the XML:
<wap-provisioningdoc>
<characteristic type="Registry">
<characteristic type="HKCU\ControlPanel\Home">
<parm-query name="Timeout"/>
</characteristic>
</characteristic>
</wap-provisioningdoc>
The result XML should look something like:
<wap-provisioningdoc>
<characteristic type="Registry">
<characteristic type="HKCU\ControlPanel\Home">
<parm name="Timeout" value="10000"/>
</characteristic>
</characteristic>
</wap-provisioningdoc>
That's a simple example, you can do lots of other things like setting up network settings, setting up mail accounts, etc, etc.
Also, new versions of WM add more CSP's. For example WM6.1 adds the Device Encryption Configuration Service Provider to query / enable / disable full device encryption on a WM6.1 device.
Update: I copied the incorrect example!! DMProcessConfigXml uses OMA Client Provisioning XML not OMA DM Provisioning XML.