I have the same problem. The only solution I've been able to find is Ambien. I understand your reluctance in turning to medication. Perhaps if you find a mantra or a song lyric that you find particularly inspiring (I have several friends that use Biblical verses and prayers) it may help you in meditation. I found that an increase in physical exercise decreased the dreams slightly. I've noticed that my dreams are worse when there's no sound in the room so I always have the fan on or the radio on white noise. I hate having to take medication to sleep, but if it guarantees a functional day tomorrow I'll do it. Oh I'm signing up for a Tai Chi class later this month in the hopes will will help with my stress, perhaps an activity like that or yoga may help. I hope you find solace and a restful night soon.