Just curious anyone here ever just cuddle with a provider and talk? And just enjoy each other's company?

Especially if the chemistry is spot on  

do people ask you for it over the phone? Or just in person?

I don't think I'd just cuddle on a one-off, but I've been fortunate to have a regular arrangement with my ATF, and cuddling (often followed by a romp, but sometimes not) in that context can be and has been most enjoyable.