Thank you for your reply! I am so sorry about your fish that passed away from dropsy...
The gray areas do NOT look fuzzy to me, but I am watching them extremely closely. I am most worried about ammonia/nitrite at this point, although I have done 2 large water changes over the past 4 or so days. I'm worried maybe the damage was already done. We have had her for about 6 weeks, and she has done perfectly fine up until now. Of course, she is a Baby Betta, not even barely 1.5 inches from end to end, and I have been reading how fragile they are. Before she got sick, I was doing water changes once a week, sometimes twice.
I live half hour from the nearest Petco, and they will be closed before I can get there tonight. I will go tomorrow to get a water test kit. We have a Walmart here, but all they sell is a dip-stick test kit that tests for everything BUT ammonia and then another kit that is a test strip kit only for ammonia. Wasn't sure if I should bother, as I have read these are very inaccurate.
Hoping she gets better soon...