Ugh, I agree the lack of noise regulations is a serious issue no one talks about. I moved away from the city in large part because it was always loud. Pretty sure I got tinnitus from years of daily earplug and headphone use, too.

Nowadays, I always sleep with a fan on for noise, and if that’s not enough then I play this. Doesn’t block everything out, but really helps reduce my irritation. https://youtu.be/hXetO_bYcMo

You can easily get it to work without a Microsoft account, just not in an officially supported way.

Search locally. Try finding web designers/developers in your city first, and if that doesn’t work then check out websites of local businesses and see what developer they used (usually linked at the bottom of the home page).