First of all, from the coherence of your language, from the use of technical words like hypnogogic hallucinations
, hallucinations etc, from the presence of insight that the voices that you hear are not real but hallucinations etc......I do not see the cognitive changes, the decline in functional capabilities and the distortion of reality that I would expect from a Schizophrenic patient in acute illness phase.
If the symptoms describe someone else that you know of, who you are describing, then yes, voice experiences could be part of schizophrenic illness. But from what you are describing, they may be something called as pseudohallucinations.
Third, people DO NOT "go insane" with medication for schizophrenia
but yes there are side effects from the medication, most of which are manageable.
Finally, it has been proved that whatever might be the stigma and consequent diminished social/occupational opportunities, a patient not treated for schizophrenia pays more price than a patient who gets treatment, in terms of direct and indirect costs of living with the illness.
My advice for you will be to have a consult with a local psychiatrist
to try and assess your problem.