My advice is to just get a sleep mask. I use one all the time, although that's mainly to help me sleep better after the sun comes up. Anywho, I'm the same way as you except that I have to have my neck covered, and preferably my ears too. It started in my childhood, I'm sure there was some kind of traumatic scary movie or something that triggered it...oh well.
When it comes to having a hard time falling asleep, then yes you may have a mild sleep disorder. It's very common to have trouble getting to sleep, though, and most of the time it's due to things like stress and anxiety. You might try some things like meditating before bed, getting a white noise machine, etc. If you still have trouble, see a doctor about taking melatonin or something to help get you to sleep a little faster. Just be careful with some of those sleeping pills that you get over the counter because they can be habit-forming (in other words you'll end up needing them just to sleep at all if you take them too frequently).
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