Hello~I am so sorry you are going through this, those skipped heart beats/palpitations are miserable.
It sounds to me like they may be due to high anxiety, your body being in flight or fight mode beings scared of them, but who wouldn't be. I have them and they are the pits. The fact that your EKG was "normal" and your 30 day monitor was good is very reassuring. I am sure that the 48 hour monitor will show good results as well. For added peace of mind, you might want to ask your doctor for an echocardiogram, this shows the structures of the heart, and what is going on with blood flow etc, they are very reassuring.
Don't worry, your heart is very strong, it won't give out, some folks have thousands a day and they are doing well. I can relate to being afraid to go to bed, I have been like this, it is an awful way to feel and adds more stress which adds more Adrenalin to cause the "skips".
We have a wonderful heart rhythm forum here, you might want to visit there as well and post, the folks there will probably have other thoughts to help you.