Texstyle, that is a good question about the "minimally fab" outfit. I do agree that it looks polished, but if you added somewhat unruly, frizzy hair (like mine!) I think it definitely becomes more RATE.
Exactly how you create polish is still a bit of a mystery to me. I think that people are right when they say that it is just something some people are born with, and others are inherently a little disheveled. I try to look polished, but it takes a tremendous amount of effort, and I rarely accomplish it. I find that if I straighten my hair instead of wear it wavy, then I look much more polished.
I wonder how much of "polish" is also based on current trends. Right now, straight hair is really fashionable. Does that lead to a higher bar for what it means to be polished? I know that when I blow-dry my hair straight, I look more polished than when it is wavy, but when I go back in with a flat iron and "fine-tune" the blow-dry, then I look *really* polished. But that is fighting a lot of my genetic characteristics, which isn't really fair. As Texstyle says, I think you can help the curls-equals-frizz-equals-RATE situation by using some oil to smooth the frizz, but for people like me with fine hair, we lose all our volume, and then the hair is flat.
What Shiny says is true also, I think. If your body fits off-the-rack clothes well, then you will look more polished. But there are an awful lot of curves and angles on a person, and it is difficult to get off-the-rack clothing to fit perfectly for a lot of us. And a lot of clothing simply isn't worth getting altered, so some of us make do with a fit that is almost perfect but not quite. And that is RATE!