Not insane at all. This happens to me every night. As I fall asleep not only do I hear noises, but I hear distinct and sometimes loud voices talking to me about stuff in my life, which is really not such a bad thing especially since it can lead directly into lucid dreaming where you can gain incredible insights. If your anxious about it, it could get to be a problem because you might freak yourself out and think your house is haunted or that there are demons or something like that. However, the voices before sleeping in itself is not dangerous or anything to be scared about