As I was getting ready this morning, I thought more about this question. I don't associate "polished" with prissy or even "high maintenance", as it can take a lot of effort to look tousled for some people! Nor do I think of RATE as somewhere on the road to polished, as long as it's a deliberate choice.
My climbing partner is a vet, a mountain biker and a gardener and deals with very messy situations all day, yet she is DEFINITELY Team Polished. Her make-up is always done, even when we are out hiking, and her outfits are never wrinkled or half-tucked. On the other hand, I would also describe her style as a bit dowdy or out-of-date. So I think it's possible to be polished without being stylish, although all the POP YLF gals are both!
The other person I was thinking about was Audi. She is very edgy but not necessily RATE - I would consider her style quite polished, actually.
Maybe "Sharp" vs. "Blurred Around The Edges"?