I haven't read all the responses, but my dd is seven, will be eight in February, and never, ever wipes unless she poops. I'm totally fine with that. She doesn't change her underpants afterward, and I see no need to do so. I like to wipe, but I have pubic hair and it gets wet. Very little of a girl's genitalia actually get any pee on them.
Also, she sometimes only bathes once a week. We have a crappy shower now, though she used to shower more often. She always bathes, and washes her own hair, though also only about once a week. In the summer she bathes more often, but our house is drafty, she doesn't get very dirty, and I like the savings in energy. She dresses herself and fixes her own hair, too.
Now, I would not stand for hands down the pants touching genitalia or anus during a meal, or really touching your anus any time. I know it might be a little different if she's a s-kid, don't know how your relationship is, but this is one of the things I reserve my true disgust for, and let it show. Do you feel comfortable doing that?