As for older women putting forth less effort - for the most part that's true.
Part of it is that a healthy 40 year old doesn't feel the need to compete with 17 year olds. (There is no competition! lol!) The other part is that we've learned. We know what colors flatter us. We know what cut works best on out hips. We don't have to stress and seek and experiment because we've worked out all those bugs.
(I *love* turning 40!!)
My point was mainly that older women have stopped giving a crap what other people think of their style or lack of it, their social position or lack of it. :~)