Fin nipping is more likely from the male Betta and/or the gourami, possibly the male Betta now that he has a female present? There also could be another reason for damaged fins.
Male betta are not community fish, and this will only be aggravated with other anabantids (gourami) present. The fact that things masy have appeared "OK" for some time does not mean they actually were OK. But assuming the bettas and gourami will be normal, you should separate them. Some gourami are worse than others, and you haven't mentioned which species, but gourami and betta should not be together.
If there are other small fish, like tetras or similar, they can frequently decide to fin nip sedate fish. Fin nipping can occur when we are not present; it is not surprising that if fish know you are there, their behaviours may alter. This is not some sort of "cleverness" to deceive you, but just normal response of most fish to a person who is seen as the source of food, or a distraction.