unkempt hair, a down-filled walking jacket, old, bobbled top, jeans that don't fit, amusing socks from accessorize and scuffed shoes
Well, you know what to do about all that!
I wear dresses and try to look tidy (but still end up with ladders in my tights and looking a state)
I'm a great believer in dresses, as I think one cause of scruffiness is the gapping between top & bottom with separates. A dress is so simple: put it on, match with tights (and as others have said, buy opaques - over 60 denier - & carry a spare pair), put on a tailored jacket (T K Maxx is good for those), and there you are!
For me, it's about smoothing out the waistline, giving it one continuous smooth line, rather than cutting across the middle, which only accentuates any fat you're carrying around the torso. So also, for casual, think about tunics over leggings, or longish jumpers over leggings, in a square cut, rather than figure hugging.
I work from home a couple of days a week, and I live in my velvet-like stretchy Uniqlo leggings-come-skinny trousers (I hate jeans).
Also: neat hair, and nice shoes - give scuffed ones a polish!
And something most people forget: good posture. Just stand straight & tall, and put your shoulders back, and pull out of your lower back, so you're always sucking in stomach (navel to backbone) and trying to elongate your spine without tensing your shoulders or hunching them up (shoulders down & back). Nothing says "scruffy" as much as someone slouching.