Kindof funny situation for an outsider. Its a woman that stinks? That is a little surprising. I understand how hard it would be to just come out and tell them. My hygiene isn't exactly up to snuff at times myself, so it makes it hard to tell someone else they stink. My father in law had a similar situation with a neighbor. He finally just told him that he really stinks. It has helped in that situation. I don't deal with cigarette smoke well, and I have kindof an expressive face. My reaction to co-workers who jump in my truck smelling like smoke is not very subtle, but the reaction is not on purpose. I think they get the gist and don't ride with me, or maybe I am the one that stinks, either way it works out good for me.
Short story long, I think there comes a time when you have to politely express some concern directly to the person.