Anxiety, palpitations and low/absent libido can be meno symptoms too. Assuming your periods have been regular and now they aren't would also indicate early peri. Have a look at the Advice for Husbands pinned post that may show you other symptoms you hadn't associated with peri. Anxiety and insomnia were my worst, similar pattern to you but woke around 3am worrying about anything and everything. Completely cured by hrt though it did take 3 months. Don't rely on hot flushes, many never have them. Is there a gp/nurse at your surgery you could talk it through with?