Bill, that reminds me of the first night I slept on my then brand new boat. We anchored out, had a great BBQ steak dinner and hit the sack pretty early. In my dreams the boat was filling up with water and we were going to drown!
Then I woke up and realized the current was rushing past the hull and the midship cabin was below the waterline. Thus the sound of water! It took me about a month to get used to hearing the water like that. Ever since, I sleep like a baby on my boat!