Kes has the body hair of a six year old boy, to go along with the body of a six year old boy (wondering about Tom and Neelix now).
Well, given the focus of this response to the OP, I suppose I would nominally agree with the first part of your contention, although as a Kes partisan, I don't recall ever seeing much below the head anyway, other than her feet. I just can't think of episodes where she wasn't wearing either the getups she designed herself or very late in the game, of course, the catsuit. Maybe that look is what you're referencing. I don't recall her ever wearing a swimsuit either.
As for the second part of the statement, simply ludicrous. For her stature, she was wonderfully proportioned. Aside from being a beautiful woman generally, there are many people who've averred, with no reservation, that Kes was the sexiest woman on the show, albeit in a rather different sense than Seven, and no, in reading those remarks, they aren't all KesFans. I've never believed that her presence on the show was to provide, in any way, shape, or form, the "sexy quotient", despite her undeniable beauty. That idea, of course, has often been extrapolated by some to explain her departure from the show in lieu of the much more overt presence of Seven, which is incorrect in every aspect of its assertion.
As to the OP itself, I'll limit my evaluation to the character's heads, and with that as the sole criteria, I guess I would rate Kes, obviously near the end, with her natural hair finally freed from the elf cap, and Neelix as being at the top of the follicle chain.
By the way, in regards to the remarked upon, stretch, of this thread, I'm wondering, not advocating mind you, if the same question has been posed for any of the other series?