How does the setting of Bilbo’s home shape his character at the beginning of The Hobbit?

It makes Bilbo feel comfortable and quite content to be a homebody.
It makes Bilbo anxious to go on the adventure with Gandalf and the dwarves.
It frustrates Bilbo because he is bored with his simple life in his village.
It causes Bilbo to become fearful of a possible attack by the dragon, Smaug.