Yeah, I raised 5 kids, always had other kids around, and now jump at every noise. I live 800 miles from my family now, and yup, miss them. With 10 grandkids, when we are all together, the noise is a bit much!
I have ringing in my ears all the time, and I have learned to ignore it most of the time. Amazing huh?
I do think central AC would work very well for you. My parents have it and you never hear a thing. If you are using your heating system in the winter, then there shouldnt be anything in it that can cause trouble in the summer either.