G'day Viking!
I'm going to be straight up with you and not beat around the bush, for your benefit.
Firstly, it sounds like you have a pretty reasonable insight into your symptoms, and yes you must start looking at these things you mentioned as symptoms. Symptoms of what? Depends largely on what's going on in your life, your brain, and what mental health professionals call your genetic loading. Both psychosis (out of touch with reality with generally low to zero insight) and neurosis (which is more of an umbrella for an overwhelming anxiety type of mental illness that most often includes a tangible grip on reality) usually have a fair bit to with genetics, as in if you have it someone in your family most likely has it.
Hypnagogic hallucinations are sensory experiences, often visual, that occur as a person is falling asleep. You don't need to be psychotic to experience it. People suffering anxiety are very prone to this and night terrors, so don't be afraid you're loosing your marbles just because of this.
The voices, whilst usually being a sign of psychosis, doesn't always need to be part of a psychotic diagnosis. Extremes of grief & loss, major depression and even again, hypnagogia can all be reasons to be considered.
Either way you must see your local GP. If you are experiencing psychosis then the longer you go without treatment the worse it can get. Depending on your specific situation of course, psychosis can literally be treated by a simple pill. If it's something else like anxiety or depression, why put up with it? Again, a simple pill and some counseling can change your life for the better!
Last piece of advice, please for heavens sake stay away from marijuana and other psychoactive "street" drugs. Regardless of your diagnosis, with the symptoms you're describing, you are extremely likely to be one of those people who will be hyper-sensitive to psychoactive "street" drugs resulting in much more harm to your mental health than anything else.
God bless.
