You sound a lot like me. I am 44 years old, and my periods have become increasingly more irregular over the past few years. I skipped three months this past summer, and took a pregnancy test to be sure I wasn't pregnant. (Like you, I used to have periods like clock work and could tell I was pregnant only after being late two days! No more...) I've been having early morning insomnia -- waking up at 3 am most mornings and not also able to go back to sleep. I asked my Mom, and she had nothing like that, and had a hysterectomy at age 51. But she also started her period later than me (age 16 vs 13). So maybe I take after my Dad's side..??
When I had my OB/Gyn visit, I asked about it, and my doctor said I was too young to be going through perimenopause, and put my on the BC pill, to regulate my period. That didn't work out, since the pill raised my blood pressure. So I'm back to nothing. There are times I am hotter than my husband (a first, except for when I was pregnant), and I'm still not always sleeping great, and I'm still irregular. But I don't want to go on any type of hormone treatment right now.
I'll be curious to see the other responses, if there's something else than can be done.
L.