You're right—SVG and CSS can only achieve a stylized or cartoon-like look, not true realism. For a truly realistic Balinese girl, you need to use a real image or a photorealistic AI-generated image, then display it with HTML and CSS.

Here’s how you can do it:

1. Use a realistic image (either a royalty-free photo or an AI-generated one).
2. Display it in HTML with some elegant CSS.

Below is an example using a placeholder for a realistic Balinese girl image. You can replace the image URL with your own (for example, from Unsplash or an AI image generator).

This will display a realistic photo.
To use your own image, just replace the src URL in the <img> tag.