phillyrv - my wife and I are hooked on cruise ships and often go on them. One thing I have read in cruise forums is how some people deal with noise when their cabin happens to be near a bar, dining room or dancing place. Put the TV on timer sleep for an hour with sound low to add white noise to the bedroom. We use a fan on low and this works for us. Some people play audio devices with nature sounds - whatever works for you.
I can say for sure your transfer switch WILL be under the bed and it will hum. The humming is very soft and does not bother us but a very light sleeper may need help. Perhaps you could negotiate a better switch installed when you buy the RV or just bite the bullet and have it changed at your expense. I would think $300 would get a nice one installed?
An electrician could rewire the switch so shore power is the default but that would be last resort. This way the solenoid would only hum when on genny power and you prolly could not hear it then.
I would try sleeping at home with a fan and see if the wife could deal with that- if so, use a fan in the coach and your set!! It would not take much to drowned out the hum from the transfer switch.
2015 Jayco Precept 35UN
Towing JEEP TJ with Roadmaster plates and bar w/Blue Ox Patriot brake
an Aluma low bed trailer with HD Road King and/or Polaris RZR onboard