This is an interesting one...I admit I am a bit on the chatty side myself and get quite into a convo if the girl is talkative. I think it does help build rapport even if there is a bit less hanky panky initially, but I do understand how it can affect the transition to naughty stuff as the topics can end up quite unrelated to sex and somewhat kills the mood even if the atmosphere is friendly. I had this happen the other day as I was with a Japanese ML, and my fluent Japanese encouraged her to talk a lot, even after she had flipped me over. Lovely girl who is super pretty but I failed to get over the line.