I have to have a fan, also, as does DS.
DH doesn't like to have a fan actually running,
however, unless it's very warm.
So, we have something called a "SleepMate."
That is the official name of the machine,
and it sounds just like a fan.
They're not cheap, but Dr.'s offices use them
to mask their private conversations w/patients
so people outside the rooms cannot overhear.
We ordered ours online, several drugstore websites sell them.
You can do a search using the word SleepMate,
but be careful what sites are returned!
There are also numerous products sold in stores
from Wal-Mart ($) to the Smarter Image ($$$).
They have sounds like the ocean, wind, rain, music, etc.