Hmm, based on what I know about Morton's neuromas (after having them) and diabetic neuropathy (which my husband has)
I am going to guess that you should be thinking more about neuropathy than neuroma. Neuromas are little "knots" on the nerves, for lack of a better description. It often feels as though you are walking on a pebble. Mine were very painful, especially when walking in a hard soled shoe, walking barefoot, or walking any distance on a hard surface. The associated numbness was in between 2 toes. One of mine required surgical removal. The second, which I recognized much sooner, was resolved with a steroid injection to calm things down.
Your note that you often feel it while in bed coincides with what many people feel in early stages of diabetic neuropathy.
Also, have you noticed when it occurs - sometimes, it can be an indication that your blood sugar is poorly controlled, or for some reason higher than usual. It should not be ignored, because if it progresses it can lead to permanent numbness, and you may not know when there is a wound or sore on your foot, or if you have an infected toenail or other problem.
Perhaps you could talk to your doctor about getting a diagnosis?

Sue