chat during play- ever a good idea?

I usually ignore requests to chat.  A few I accepted told me to hurry up (which I ignored). 

One was quasi-interesting - the player told me to resign (I was losing), and I told him he had insufficient material- so it was a chess-related debate; polite and not annoying.

Today I accepted a chat and the player mocked me and called me a noob (ironically, he started in Feb this year and is rated 500...)

So- what do you do?  accept? Accept from people you "know" on these boards?  always ignore? is it ever helpful or important?

thank you

Thank you

Thanks everyone.  I will ignore. They can message me after if needed.  

Pepper that is an elegant action on your part

I always accept, if its relevant i follow up during game otherwise we can chat after the game.