Not everything, there are still a bunch of restaurants and bars and some 24/hr liquor / 7-11 type shops. The noise level although has never been a problem when those are open.

Experience: Living in a place that was right above a bar, a 7-11 and in front of a train.

Also the sidewalks are huge, they are as big as a lane of traffic. As a result cafes and such can easily have comfortable outdoor seating. And because everything is first floor businesses, there are a ton of cafes in a 10 minute radius. You could probably visit a new one every day. Compared to my current place in the usa where I have to walk a few blocks to get to the 'business road', where there is no apartments above the businesses. Not all places are as business dense, but there isn't as much stopping it than the USA lets say.

But yes, things close earlier in europe in general.

I'm not sure why people who can afford modern houses complain about noise levels; I'm living right under the flight-path for SJC and it is super loud. But if you close a double pane window? it's pretty quiet; my place has a third single-pane of glass on the outside of that, and if I close the doors and windows? the place is just about silent, no matter how many airplanes go overhead.

It's not a fancy building, either; the construction is typical of the late '80s, early '90s, I think, aside from the third pane of glass, which I think was a retrofit.

Supermarkets and shops are the real exception: most close at 8, some at 10. Restaurants, convenience stores, bars, nightclubs, etc all work basically like they do in the US.