TNB you reminded me of this family i use to know. a huge portion of the women in the family would have the smell at least once. my mom worked with two of the sisters and one would smell like that every month. her sister never did and was just generally cleaner. the one who would smell had a daughter my sister went to school with and the little girl eventually smelled like that when she begin her period. i went to school with two of the girl cousins and they both would get the smell. at first i really thought they had medical issues since it was so many of the ladies, but then my mom found out that some of the women was just nasty and didnt bath very often.
as far as not being able to reach places, i know some little people (people with dwarfism) have trouble reaching their butts to wipe. also someone who is obese may also have trouble.