The first sentence probably needs an and "She is so indecisive and choosy" I would also not use a word like choosy, I would use a word like finicky or fussy.

The second and third sentences are very good except you need an s after lay and spend. 

for the last sentence, we typically use the spoiled tense instead of spoilt tense when referring to someone in that way even if it sounds the same.

- She is so indecisive, and fussy. She lays two dresses on the bed and spends hours trying to decide which one to wear, not to mention makeup! It’s no wonder we are always late.
- Oh, man, what a drag! Girls are just spoiled for choice these days.