To cut or not to cut

So Miss Fin's hair is getting SHAGGY....long bangs, long back...but not much throughout. She also has 2 cowlicks in the back that go in reverse directions, so her hair comes straight down the middle. Should we cut it????
We constantly use bows or barettes to hold her bangs to the sides and she barely tolerates ponytails....I love the length, but wonder if she looks unkempt???
Such the delimma!!