So the growth on this poor betta's face is getting bigger. It looks like the growth originates in the betta's nostril.
Based on my years of fish-keeping, my over-active imagination, and need to form an explanation that I can be satisfied with, I say that it's cancer or something similar. My buddy (the betta's keeper, edward2020) single-handedly keeps cigarette prices high through supply and demand

While edward2020 and I were looking at the betta, I suggested that that its exposure to second hand smoke throughout its life had something to do with the growth - especially since the growth is located where the betta makes contact with the water's surface - and the air of the room. I have NO data to back up my impromptu hypothesis - but it sounded good to me.
The fish still ACTS fine. The growth isn't trying to cover the eye of the betta - which I guess is a relief. To look at the fish, you'd think you could pull it out of the water and "pop off" the growth with little or no force - except the fish would lose 1/2 of its snout.
The extra water changes don't seem to affect the fish at all - but the plants sure seem to have benefited from them. I looked at various treatments at some of the LFS - it's a real bummer that the cost of the CHEAPEST one I found would cover the cost of 2 bettas.