In Chapter 1 of The Hobbit, Bilbo tells Gandalf that adventures are "nasty disturbing uncomfortable things."
What does this interaction between Bilbo and Gandalf reveal about Bilbo?
Bilbo dislikes his unadventurous life.
He dislikes the wizard and will not follow him.
He may be a reluctant participant in the wizard's plan.
Most likely, Bilbo fears Gandalf.