Would more insulation help that?
I would think it would - this house my dad has with the metal roof is a log cabin out in the woods and half the house is divided into stories - a bedroom with another bedroom over it - but the other half is the kitchen /eating/ living space with a loft over half of it for sleeping but over the living and eating space - there's a cathedral ceiling, so there's absolutely nothing separating the first floor from the roof at that part of the house (if you can picture what I mean).
It's used mostly in the summer by my family - but there is a woodstove in the basement and heating vents in the floors - so I can't imagine it wouldn't be insulated in the ceiling under the roof- but I'm sure it's not insulated as much as a year round home in the midwest would be.
It's a great sound if you're on vacation - sort of how I like being in a tent when it rains on occasion- but for a year round house, I know it would get on my nerves. But again - I'm a nut about noise when I'm sleeping - even the refrigerator buzzing or the furnace running can keep me awake if I happen to tune into it.
If you found it to be what you want in every other way, but think you'd be bothered by the noise - you could always use earplugs