You never need to test removal of #3 because there is no combination that doesn't benefit greatly from #3. May I also further complicate your routine by introducing #4: foam ear plugs.

Ear plugs are the magic sauce.

Also fit is critical. I found foam earplugs useless for years until I switched to small earplugs that wouldn't fall out. Turns out I have small ear canals.

I sleep so much better already I worry if I add earplugs I might just never wake up again

Also try wax swimmers earplugs - they fit perfectly every time (foam doesn’t ever fit in one of my ears) and they block A LOT more noise.