I personally love to talk. :) I'm naturally a complete chatterbox, and I just find it makes for a much better time if you chat for a while first. I just find it allows you to get to know each other better, which allows you to feel more comfortable and creates a more intimate time. I'm a big fan of having regular clients and such, so that level of connection and intimacy is important to me.
I'm also a pretty awesome conversationalist if I do say so myself haha :P I've got a double degree in classics and philosophy, read constantly, follow world events closely and spent the first 20 years of my life traveling all over the world, so I can actually be kind of interesting haha. I actually had a job two days ago where we ended up really getting along and chatting so much that when we checked the clock, we realized it had been an hour and 15 minutes already! I offered to extend the time or not charge him because I felt bad, but he told me he enjoyed himself so much he felt it was well worth the money and we would just keep a closer eye on the clock next time haha!