Ugh, and sexual inexperience isn't even an excuse - if a guy realises that women are real, living beings with bodies that feel everything, then even if he doesn't know a clit from his elbow he'll naturally go slow and gentle. And listen to suggestions that maybe fisting without lube is a DEEPLY uncomfortable experience, especially when not requested.
But then there are those other guys who think they know all about sex and they don't need no instructions from some silly lady about what to do with her own body.
If they do something painful I normally say OW! and glare at them/push them away because frankly, for that split second, I'm not sure if it was an accident or if they've suddenly turned psychotic. If they gaze tremble-lipped back at me, tears welling up in their eyes, I tell them to stop being a baby but they need to not do X as it hurts. And luckily I've not had any visits from any Mr Crazies yet. Well, there was that one booking with the "do anal now" (right at the beginning) otherwise-silent guy. He was neither slow nor gentle and had done nothing to assure me that he wasn't a murderer so I was pretty tense anyway and so obviously it was REALLY painful when he shoved it in. I almost cried but was more scared for my life so I remember apologising to him! And giving his money back so he would leave. It was awful and I was afraid for a while afterwards. But he was luckily an extremely rare occurrence for me.
The talkative-mid-thrust guys just get me giggling in their face when they do it, I'm afraid.
I mean, I entertain their conversation, but after the first 10-15 mins of penetration I've normally lost most sensation down there so if he's "prolonging for the lady's benefit" then I would rather he not. I normally laugh, then reply politely, then suggest a different position (one of the ones where they get most sensation + a good view), maybe a reapplication of lube, or perhaps that we take a break if he really doesn't want to have an orgasm right then. Then we can have a conversation where his sweat isn't dripping onto my face!
If I remember to be on the ball enough to have lube to hand from the very get-go, then it's a good idea as soon as you feel any dry fingers poking and probing at your vag to whip out the bottle and squirt 'em while distracting them with, "Ooh, I love being fingered! You're making me so wet!" and giving them sexy-face because even if you don't and they aren't, as long as you've had a chance to rub plenty of lube all over their hands, it can at least be a neutral non-painful experience and he can still feel joyous about how much he's pleasing you.
I once read in a field report: "I don't know how, but XX 's pussy tasted like strawberries!" in between a seemingly-earnest passage about how wet and excited the punter was making this escort. I had to giggle. Strawberries? Or... strawberry-flavoured lube, just possibly?