I live about 150-200 yards away from Boston's Green Line. I can see and hear it. My apartment is a commuter's dream, yet here we have garaged parking 🙄 . The trains are more like trollies so they're very quiet and not really bothersome. Honestly the car traffic is worse... or the couple drunk college kids yelling in the streets at 3 AM.
Most days the last train runs by shortly after midnight. The first train isn't until 5AM or so. For people who sleep normal hours, this isn't too bad. I usually do hear that first train in the morning, but I black it out.
I used to take the train 5 days a week. Then my employment changed. Now I usually take the train 2x a week to one location and drive 3x a week to a different location (not easily accessible through public transit). I wish I was better at taking the train to do other things, but sometimes I just don't want to deal with the time waiting and ride stuffed-in with 1000 other people. Driving seems easier.