Hi Samz,
You have my sympathy. Insomnia is awful.
I too used to always sleep well, until feb or this year, when I got really bad anxiety, insomnia, tinnitus!!!!
I realised that they were all symptoms of menopause.
I'm post meno by about 4hrs never ever been on hrt, started hrt in august of this year, estraderm patches (37.5mcg) and 100g utrogestan PV.
My anxiety is still bad, tinnitus is improving and sleep is too (touch wood)
However I do know it does take time, to get settled on an estrogen dose (your body likes stability and consistency)
I'm not on testosterone, so I cannot comment on that.
I also take magnesium bisglycinate before bed, they help to calm and relax.
I really hope you managed to get some balance, but take comfort from the fact that you are not alone xxxxx