Ok, here's a point where I seem to be misguided.
In my book, in a static spacetime, the time T of a canonical (=static) observer is exactly coordinate time, up to a factor $$\sqrt{g_{tt}}$$. That difference would count as of gravitational origin ##f(U)##. Now this observer observes something moving and find its time ##\tau## to be dilated by a factor ##\sqrt{1-v^2}##, if v denotes the velocity in said observers frame. So we have ##d\tau/dt = dT/dt d\tau/dT = \sqrt{1-2U}\sqrt{1-v^2}##, that is ##\gamma(U,V)=f(U) g(V)##.
To check my line of thought, I calculated your example on
Wikipedia. There is one problem with it, what they sell as the Schwarzschild metric is obviously just a usual approximation to it. But their formula for the combined time dilation due to gravitational potential and coordinate velocity seems to be correct - because if you re-write it in terms of
observed velocity, you find ##d\tau/dt = \sqrt{1-2U}\sqrt{1-v^2}##, with clearly separable gravitational and velocity components. That is,
I found this to be the case, which might be an example of wishful thinking. I'd appreciate if you could check the result.
So for me, in a static spacetime, time dilation is a two-step thing: from coordinate to observer, then from observer to object. The first step is gravitational, the second needs SR only.
But I don't exclude the possibility that I just overlooked something important.