Hi Moonbeam,
I hope things have straightened out a bit for you since that post.
Believe me, I know what you're going through. I have been in an insomnia/panicky state for almost two weeks. The Xanax is good to help you relax and fall asleep. Don't be afraid to take it. It only lasts 4 hours and is probably one of the best things, I find, to get you out of that "heartbeaty" state.
My Dr. doesn't like me to take it however, because I take Klonopin too and mixing benzos is not a good plan although I've done it & here I am still alive!
Why can't we just be tired when we're tired, right? Why must the panic feed the insomnia and the insomnia feed the panic? I'm going to try Lunesta tonight (it's a new sleeping aid). I'll let you know how it works out although I'm like you & afraid to take things. But if you're suffering, tell yourself that this drug is going to help me. It's like taking an advil for a headache. We musn't be afraid.
Hope you'll respond & hope you're feeling better.