As Allira said above, I associate the expression with accents and demeanour rather than wealth or status. If I was told someone was "frightfully posh" I would assume they probably spoke and behaved like Jacob Rees Mogg. The same expression could be used in a derogatory way to suggest they were somewhat effected and spoke with a plumb in their mouth. When used to describe cars it is usually complimentary but for restaurants or hotels it can indicate old fashioned and stuffy. It all depends on the nuance really.
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