Yup u have it right the first option. It is pretty horrible , but there are ways around it :
if u have the personal trainer on (15cc for 2 months) when u hire a 100 sex appeal girl, she will have perfect measurement at 60/100 (slighly more if she has some a little spoil (tr?) already)
if the girl isnt 100 u can also pay for the 40 points spa treatment (40 is the maximum s/a u can get from treatments) and then u wont need to completely work the fitness