I don't have a massage table so I never offer massage to start - it's more physically tiring for me than giving them oral or penetration.
If they've booked an hour and cum quite quick and they don't gave another one in the tank I'll occasionally offer one.
A lot of clients definitely do see it as time wasting. Especially if they've only booked a half hour.
In terms of chat - I am a right chatterbox sometimes, but I try to take my lead from the client. If we're kissing, doing oral or sex then I don't talk unless they ask me to talk dirty. Once they've cum I do like a chat but try to focus it on them - any plans for tonight/the weekend, isn't this weather great/horrible, how's work - busy of quiet, etc etc.
Quite a lot of my regs do enjoy a more in-depth chat and we'll talk about politics, economics, family etc. I guess the ones who don't like to chat just don't come back!