I struggle with this too. Today's ride got bagged when I went to bed late around 11, tossed and turned until after 2; awoke at 4 with a mosquito buzzing around; and then before the alarm clock I awoke when somebody rang the front door bell. (In my area there was a recent case of a gangbanger firing a shotgun through the front door of his drug dealer at 4AM after ringing the doorbell; and in my neighborhood of tract homes it's common for people to stop at the wrong house.)
Last year I had brain surgery and as an unfortunate side-effect I sometimes have simple partial seizures. The seizures are most strongly correlated to going short on sleep. I'm on medication but the neurologist and I are still calibrating the medication/dosing. Plus, I don't have good performance at work when I am tired and I really don't want to lose my job over my desire to bike to work.