I guess looking polished is just about nothing jarring against anything else or looking too try hard. It just looks clean, considered and thoughtful. Polished is gentle and quiet and perfectly accessorised. It doesnt have to look like money. Often money doesnt look polished!
For me polished is a neat and tidy natural you.
You can be polished and broke! A designer bag isn't any better than a carefully picked and looked after one from Tesco. I had a suit from Asda once. It was beautifully made, a lovely lining, french seams, well sewn on buttons etc. It got lots of compliments from people with much higher clothes budgets than me.
I guess you do have to have time though. Time to look for amazing Asda suits, to style your hair in the morning and to iron/repair clothes etc.
So for me, polished means...
Neat nails. Plain or coloured but clean and no chips.
Clothes that fit.
Clean clothes in good repair, ironed if needed. Not faded.
Look at the shapes of the clothes eg where the skirt hem and coat hem end.
Look at the quality of clothing. Expensive doesnt necessarily mean the hem is straight or the fabric isnt see through.
Clothes you like and feel comfortable in. You'll never look polished if you're hiding and tugging and readjusting your clothes.
No visible underwear eg bras should match the clothing, no visible straps etc. I refuse to wear thongs so sometimes have a VPL. Not the end of the world but not polished.
Clean hair that doesnt need to be constantly touched/flicked/pushed out of your eyes. Whether that is loose and swooshy or in a neat ponytail/bun. No roots. I'm waiting for my hairdresser to come back off holiday so I'm currently failing on this point too!
Polished hair is often equated to rich white girl hair eg blonde highlights and long and swooshy. It doesnt have to be. There is a lady I work with who has an afro but it is perfect. I really want to touch it to see if it feels as soft and shiny as it is (dont worry, I will never do this!).
"Correct" shoes (that are clean), coat and bag for the oitfit. Another fail for me. I just cant get this right. I used to be so good at it but have lost my way.
Dress for what is happening.
I actually dont think all patterns are "bad". Just be aware of what you are wearing with them and think about the overall image. I sometimes wear "crazy" patterns. My favourite blouse looks like 70s curtains. It is "too much" to be polished.
Good skin (naturally or with make up). My skin is oily and make up disappears so another fail here.
If you do a big eye make up look, do a subtle lip etc. Make up doesnt need to be boring. A perfectly applied swoosh of glittery eyeliner can look very smart.
Just stick to one "thing" eg if you have a feature jumper, then downplay everything else. Too much competing stuff can look thrown together, not curated.
Wear jewellery. Again, I dont think it has to be subtle or small, just considered. A huge necklace can look amazing, just downplay everything else.
Wear accessories eg a belt.