Regular exercise and sleep hygiene will help with insomnia.

As for commuting. My commute is 20 miles round trip. I do it because I can, because it's cheaper than a bus pass, and its more fun. I like bombing down hills on my aero bars in 53/12 just to see how fast I can go. I like the workout. Weather, hell I live in the PacNW. You ride in the cold, wind, rain, snow, sleet, hail, sun (it is rare but it does make an occasional appearance). The bus and mass transit are there for the days when there is ice on at the 900' elevation which is where i have to go.

Also I have found that I am less sick than when I would take mass transit. Getting out in the air clears the sinuses and makes you breath.

Start biking, quit griping, and take some Valerian Root. You worry too much - this comes from a fellow disturbed sleeper.