It might help you @Turdissimo if I said what I think looks scruffy (which is the opposite of polished.)
It's not just what you wear but the condition of your clothes and if they are clean and ironed, if need be.
Tatty hair- looks like it's unwashed, never had a decent cut and is either too long or too short for the person's face, age, shape. Or has colour that is growing out (black roots, over-bleached etc)
Clothes that don't fit properly- too big, too tight, too short.
Clothes that are tatty- baggy jumpers that have sagged, bobbled knitwear,
An outfit that looks as if the person has grabbed anything from their wardrobe and never thought about what 'goes with what'.
Joggers and leggings when in town instead of 'at home or at the gym.'
I don't agree with the full nails thing.
As long as your nails are cut short, neatly filed, and clean, that's fine. Gel nails and long nails IMO look tacky unless it's for a special occasion.
My 'uniform' in cold weather is jeans , some cords, , some straight, some wider, with a cashmere or good quality wool jumper, 'posh' trainers or boots, scarves, and a nice wool coat (knee length or midi.) Or a down coat when it's freezing. I base my clothes around navy, grey, black, teal blue/ turquoise.
I don't buy any clothes unless I know they will coordinate with something I already have.
I have a few decent bags ( Longchamp, Coast)
Simple jewellery- all silver or white gold.
Make up every single day- but the 'no make up look' - no heavy slug eyebrows or orange face.