I've experienced exactly this. I dealt with it by getting into the habit of going to sleep with something playing in the background. The radio, when I was young

I've experienced exactly this. I dealt with it by getting into the habit of going to sleep with something playing in the background. The radio, when I was younger. Lately it's been Seinfeld episodes on my phone (facedown to keep the light from disturbing my sleep) . It's enough of a distraction to break up the train of thought, but not distracting enough to keep me awake.