You seem to be presenting a kind of false dilemma, fairyvibes, which may be reflective of your username.

Of course, there is value to both youth and to appearances.

Nonetheless, if you are bald and/or ungodly ugly, then wouldn't it be better to be rich than to be poor? 

You cannot necessarily choose some aspects of your looks or health, but being rich likely makes some of the poor physicality or poor health more tolerable (and even possibly more treatable), especially if you are going to have the poor physicality and/or health, anyhow.