There is also something to be said for longer hypnosis files (like at least half an hour long) with at least 15 minutes of induction, or listening to multiple shorter files (or the same short file on loop) in one session.
I think a perfect analogy for distracting thoughts is a thick layer of overcast clouds and the hypnosis process is like getting aboard an airplane. You want to experience that magical place with crystal blue skies and a broad carpet of fluffy white below you (a deeply hypnotized state), but first the airplane has to taxi to the runway (getting prepared to be hypnotized), take off, and climb to the cloud layer (the early part of the induction, where you don't likely feel any difference compared to your usual unfocused awake state).
An airplane is not a rocket, so it takes several minutes to taxi, take off, and reach the clouds. Reaching and passing through the cloud layer of distracting thoughts means you're already on the way to deep hypnosis, but it will still take a couple of minutes as your mind moves from a less-focused to a more-focused state. And, even when you've reached the deep crystal blue skies of a deeply hypnotized state, it doesn't mean you will necessarily completely forget anything in the real world that might be troubling you, but, while you're in the deep blue, those kind of thoughts are below you and less relevant to your current focused state.
I'm sure this clouds on an airplane ride analogy doesn't apply to everyone, but it's close to my experience, that the distracting thoughts will increase while going under before decreasing again, and they're just a layer to pass through, which requires more time for me than the induction on a shorter file offers.