I hate when this happens. It's been a recent revelation of mine that I'm happiest when my personal business remains personal. I hate having to scrape through my life sanitizing topics into conversational safe spaces just to get paid.
And imo that's totally fine.
We usually start 1:1's with a little smalltalk, then list the agenda points that both participants have prepared. We cover those, and if there's time left we either talk about life, freestyle into broad work topics or end the meeting early.
There are times when I feel like a meeting wasn't valuable, but by far most are valuable. Especially in a fully remote team (even pre-covid), it is a moment to talk and get to know one another (again, only if both parties want to)
That's just how it goes with most people - you have to adjust yourself, almost the way you do with children.