if you have anything else to say
What does it mean? Is it offensive or respectful to use it?
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The sentence is very much self-explanatory. "If you have anything else to say" means the addresser is asking for a clarification whether the addressee has something else to say or add to their previous statements.
Using the sentence "If you have anything else to say, please add..." in a formal conversation could be offensive. If you are an interviewer, you should probably think of using sentences like:
Again if you are using this sentence in an informal conversation with an archenemy, it would probably piss them off. Hence it would be recommended to use a kinder and more polite tone when addressing this issue.
Also if you are thinking of adding this line in the plot of a story, then again you can use it at your own convenience.