Need Advice!

Hi everyone, I have a couple questions. I am 16dpo and trying to hold out on testing because I’m terrified of getting a BFN. Has anyone had insomnia as a sign? I’ve been having vivid dreams and waking up constantly allll night, I toss and turn and can’t sleep. I also had some mild cramping/pulling in my abdomen last night before bed also, nothing like a period. I have been having watery/creamy cm all week too. According to my app, I am 3 days late today. Does anyone have any words of encouragement and has this happened to anyone and you got your BFP? Thanks!!