Everyone has their 'level'. I do my best but like everyone says clean hair and minimal makeup, plus the odd bit of jewellery (IMO), can go a long way to looking polished even if you don't do much else.
I wash and moisturise my face & body every day. I can't go out without at least some eye makeup (concealer, mascara), but these days I forgo foundation and lipstick (what's the point if you have to wear a mask anyway?!)
I've only had a professional facial once in my life, but I do occasionally use a scrub and a mask at home (Simple) and Nivea cream. That might be too much by some people's standards but everyone tells me I look way younger than I am. So not complaining!
I'm not too fussed about perfect clothes, as long as what I'm wearing is not too tight, especially over my belly. I find clothes that 'skim' me give the illusion that I look slimmer than I am. I definitely know my colours and I won't wear a colour that I don't find myself comfortable in, it really affects my mood and personality, like I'm in the wrong skin or something. I don't feel 'classy' or slim in the wrong colour.
I do my own eyebrows and I use Flawless on my face/tache hair, it makes my skin look so much clearer and I love it. I don't paint my nails, but in summer I HAVE to paint my toenails - I cannot abide unpainted toenails in sandals, especially mine! Yeuch.
I don't know if I give off a "polished" vibe, but these are OK by me. As long as I'm clean and groomed to a level I'm happy with I'm OK. No one's run screaming away from me in a long time so perhaps I'm doing alright!
One thing though - If I'm having a bad hair day my entire day is totally FUCKED. If I get a promotion, get proposed to, and win the lottery on the same day I'll still be a total utter bitch if my hair's looking like shit. Why is that?!