A fellow at Ironage SWORE that he met her. Per his account, after a photoshoot, Monica reached into her purse, "whipped out a cigarette" and went on to suck on the thing like she was starving for air (or somesuch thing).
If that's true and Monica was a smoker in addition to all of the tanning, travel and wear and tear, I could understand why she looks a shitload older. If anything, that she doesn't look worse is actually impressive.
But I can't account for that IA fellow's story. All I can say is, even among the sporty chicks I've known, if they are at least a 7.5 to 8 in 10, 50% of them smoke like crazy to control their weight. That Jodie Marsh skank is a perfect example.