I use this free software application on my phone at night:
https://f-droid.org/en/packages/org.mcxa.softsound/ F-Droid also has another app called Noice which is more modern and has more features&sounds, but I prefer the sound samples in this one.
I just put the phone in the charger in my bedroom and turn up the volume a bit, though I am considering getting speakers since the rain sound doesn't sound 100% perfect through the phone speakers.
I use a mix of storm@100%, rain @90%, and wind+fire at 70-80%.
I don't have an issue with loud neighbours, but it helps to fall asleep and makes a daily routine which also helps with falling asleep fast.