Hi @alix. Welcome to the wonderful world of fancy goldfish! Your tank looks really nice.
I looked at the picture of the fish and I didn't see any signs of fin rot. It may be just starting and hard to see in the pic. Personally, I treat fin rot, ich, fungal, etc. (pretty much anything "external") with cheap, simple, effective aquarium salt. I would raise the salt level to 1/2 tablespoon per gallon and maintain it there for a week or two to see if it resolves the fit rot. I've gone as high as 3/4 - 1 tablespoon per gallon to resolve ich and a white fungus on my gancy goldfish. Aquarium Coop has a great video on how to safely use salt. I highly recommend watching it and understanding the proper way to adjust the salt levels.
It is quite possible that one of the fish is "nipping" on the fins of the other. You mention a missing piece from Poke's tail. Salt would help heal this also and helps their slime coat fend off diseases.
I would not recommend adding more fish to your tank. Technically, some people might consider your tank already overstocked with 2 fancy goldfish in a 20 gal tank. It can be done with a good water change schedule. I have two fancies in a 20 gal tall bare bottom tank. I do three or four 25% water changes a week to keep my nitrates below 50ppm. Once you move to a 75 gallon tank, you would be able to add a third fish. The larger size tanks are easier to maintain the water quality and stability.
StanF