Active bellringer here. In my experience, I've never had a practice session on muffled bells. The clapper is usually only muffled for funerals, to give that mournful, quieter sound at the backstroke. I attend 2 or 3 different practice sessions a week in different areas and none are muffled. The bells in most churches are situated a floor or two floors above where the actual ringers are, so no danger to ringers' hearing.
Yes, the fast ringing at the beginning and end of the practice session is the 'ringing up' and 'ringing down' of the bells, though sometimes this is done individually.
Most practice sessions are 7.30 - 9pm on a certain day. Any 'ringing' during the night will be the automated clock chimes. If they were really troublesome, I suppose one could approach the incumbent vicar and ask if they could be silenced during the night hours, but that would be his/her decision to make.
In essence to the OP, do your research before moving next to a church. However, we are desperate for more bellringers as it's a dying art. It's a really sociable hobby, challenging to learn, interesting and it's quite addictive - and if you think of it, where there's a church, there's usually a pub! Come and join us, you'll be made most welcome and then you won't hate the bells!