I'm sure you look absolutely fine OP. We are all our own harshest critics.
Some of it boils down to how much time and money you have to throw at the problem. I'm in my 50s and have decided to pay what's necessary ( within my own constraints) to make myself feel comfortable with my appearance.
For me, that's -
Hair cut and colour every 8 weeks - I've gone streaky blonde to cover greys and it suits me so much better than when I was a uniform dark brown.
Spray tans as and when - every couple of weeks and I top up with Bondi sands and a facial tanner at home. I'm naturally a corned beef colour so this evens my complexion out a bit. Not the easiest, as keeping on top of exfoliating and moisturising is a pain in the arse, but it is what it is.
Teeth whitening - I use strips. I'm not dazzling white but they look healthy and clean
Eyebrows - micro bladed as my natural hair is quite sparse, and I use Just for men about once a month to cover any greys.
Nail polish - I should go back to acrylics as my job ( florist) means my hands are the worst part. But I always have my toes painted in summer.
Botox - every 3-4 months
Make up - I keep it very streamlined. With a tan I don't need much so just use mascara, bronzer and lipstick. Nothing sparkly or too OTT.
Clothes - I stick to a fairly limited palette. I love black and white.
Jewellery - I always stick to either silver or gold, never mixed.
Shoes - always mended , heeled and polished.
Bags - I have quite a few, and have most occasions covered i.e crossbodies, hobos, totes etc. all in reasonably neutral colours but I do love a pop of colour in a bag.
My natural inclination is towards a bit a slobby and undone. But doing all of the above makes me feel much more polished.