Without a default gateway, the server won't know how to resolve routes that are not on its own network. When the PC tries to communicate with the server, the PC will send its source address, but the return traffic will be lost. According to your diagram, you're using a router to route between vlans? If so, you could use destination nat possibly to solve the problem (I have not tested this, but I could lab it up). When the PC goes to 192.168.1.x server, it can nat as a 192.168.1.x address. That would put the server in the same subnet, and you should be able to get the return traffic. If you only need this one PC to talk to the server, you could configure static nat for that 1 pc for the 192.168.1.x address that you want, and the server would also be able to initiate connections unless you didn't need that.
NAT works fine in this situation if you're able to do that. I labbed it up and was able to get the return traffic without setting a default gateway on the "server" host.
Yes. You'll nat out as an address in the 192.168.1.x range. Your config would look something like:
ip address 172.28.1.1
ip nat in
ip address 192.168.1.1
ip nat out
ip nat inside source list 100 interface f0/0 overload
access-list 100 permit ip host 172.28.1.2 host 192.168.1.2
Whenever the 172.28.1.2 host goes to that server, it will nat out as 192.168.1.1. The return traffic will be returned to the router because the server sees the initiated traffic from something on its own subnet.
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