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You ever try just masking the noises with some white noise?
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If you're regularly waking around 3 (as opposed to random times throughout the night) you might want to reconsider cortisol as a possibility, at least as setting a baseline wakefulness that allows you to be easily woken up from a noise. There is a natural cortisol spike at that time, and that combined with elevated levels from background stress causes the same problem for many people who fall asleep without issues, myself included.
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The 3am part was just a random picked time. But interesting to know, thanks for sharing! I had some stress related sleeping issues about a year ago, that’s why I started with proactively provoking morning cortisol spikes and preventing them in the evenings which definitely helped. At that time I went through some personal challenges, so it made sense
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Second this

Have the same pattern, issue is cortisol/stress, not sounds / etc that happen precisely at night

Built simular things tonwhat Op did (thoug using Oura for sleep tracking, not Garmin)

Result: no statistically significant variations in sounds, CO2 normal etc. Cortisol is what doctors/AI told me first

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