Your other option is to, just step and tell her, "Baby, you know what would really turn me on right now? I want to fuck your brains out in the shower... right now." Of course she may get suspicious if you stop and say this when you are down there, so send down a probe.
gingersnap is on to something, assuming you she actually has a clue about her hygene problem. I don't think most girls know. I mean, I've gotten down there and almost gaged once, and she just let me go down there, as if she didn't know.