RMTs, I need feedback on what you consider proper etiquette.

What are your thoughts on clients who want silence and no small talk during a massage?

When a client leaves, do they usually take off the sheets, fold them etc? What do you prefer?

If a service is fully covered by insurance and the client doesn’t need to pay, do you still expect a tip and how much?

Foot Reflexology - is it similar to a regular massage? Is it rude for the client to not talk or chat during? Is this suppose to be relaxing or more of a medical service?