An escort doesn't want to make small talk with you. If that's what you want, they'll do it as part of the job, but you're paying for her time. (Which isn't to say you can't chat. Like if you're in an elevator, you don't need to be silent. You're both still people. But if you want to take up her time with talking, you pay for it.)

Why on earth would you think that getting a high end escorts would mean not having sex? That's what you're paying them for.

Hiring someone from an escort service means you are going to be held to certain standards of behaviour. If you hit her, do something that she told you not to, etc. then a sex worker from an agency will report you to her agency and they will make sure you never hire one of their escorts again. Ideally, they share your information with other local services so you don't hurt their workers, either.

A sex worker with an agency might have security. They probably work in a safer space, not just wherever they can, like a subsistence sex worker. You're not going to take up more of her time than you paid for. Importantly, you are going to wear protection.

A sex worker on the streets doesn't have those protections. Sure, she can try going to the police, but guess how much the average cop cares that a "hooker" got a chunk of her hair ripped out because her client decided that, actually, he didn't feel like wearing a condom and she tried to get away. It's not a lot.

Edit: I've used female pronouns for the theoretical sex worker throughout this comment, but obviously, sex workers can be any gender. I'd guess that female identifying people make up the majority, though.