Some people find bath time is just too stimulating for LO. Mine LO hated it so much I would never have dared to put it in the BT routine. I couldn't bath him regularly until he was over 5 months old!! Up to then it was cloth washes and a quick dunk once per week because he screamed the house down.
So long as they are clean it really doesn't matter when bath is, or if it's a cloth wash.
Mine did eventually enjoy his bath so much that it was included nightly in his BT routine where it has stayed (although now switched to shower).
Have you tried letting her sleep as long as she wants for that last nap? Then perhaps just feed, wash, pjs, feed, bed?