I'm generally quite chatty so this has rarely been an issue for me. I also see a lot of younger clients in their 20s (as am I). The young ones I find easiest to talk to as we have more common interests.
My go-to line after sex is: "so do you have anything planned for the rest of the day/weekend?" It's an open question which I find gets more response. And if they say "not much" then I just tell them about what I've got planned or what I'd like to do. Sometimes if there are events in the area then I mention them too (Eg local football team playing).
Depending on the vibe I make jokes. It's in my personality to banter with people. It is often about the vibe.
Rarely does a guy leave without a chat afterwards although I have had this guy who booked an hour, ended up being really late so he said he will refund me the difference. He gave me £200 and left after 15 mins after he came. He ran for the door before I even got the chance to get him on some small talk
Suddenly wished all of my bookings went like that one