Post another pic of her, in which her upper arms are also exposed. Usually I can tell if a girl is "secret fat" or not just by observing her arms, but I can't tell from this picture. She may be consciously trying to avoid weight judgments based on upper arm pudge with this deceiving picture, so I am tentatively placing her in the "a little chubby" category pending future photos.
Also, about the shower thing, yeah, go to the gym or the public pool. Go relax in the hot tub for like 20 minutes then use their showers. The YMCA I used to go to had separate shower stalls and complimentary towels. It was like a spa. Heat also lowers your sperm count, so you and your never-born babies can thank me later.