Both naked unless he's not paid full rate then I'm in lingerie.
If he's paid extra for B2B I do slides on chest and stomach, never directly on his cock. My hands do cockwork, so I guess fluids don't bother me that much.
I only drape the bits I’m not working with on frosty winter days or if they have poor circulation- ‘ice cube toes’. Men usually run hot though.

In their heads they want hours of body to body on their fronts, but for a cheap cheerful massage, I do a couple slides on their back only, zip zip.
If they're a pain or handsy I won't do any B2B at all, it's up to my discretion. For expensive massages I do both sides nicely....laaaaang time.

Outcalls-I charge £50-£60 cab massage or escort.