hi all ...... how is bit here

Guys i have the following :
[ -- R1 -- ] (.1)
(10.10.12.0/24)
(.2) [ -- R2 -- ]
on R2 there is also 2 loopback addr 10.10.10.10/32 and 20.20.20.20. routers can ping directly connected interfaces.
Now If there is no routing protocols running at both ends. At R1 i configured ip default-gateway 10.10.12.2.
When i ping loopbacks at R2 fails!!! also the gateway of last resort is not set <<--- when checking show ip route
I removed ip default-gateway and replaced it with ip default-network 10.10.12.2.
ping 10.10.10.10 it success but to 20.20.20.20 is not. also gateway of last resort still not set but there is a new route in routing table
Gateway of last resort is not set
10.0.0.0/8 is variably subnetted, 2 subnets, 2 masks
S 10.0.0.0/8 [1/0] via 10.10.12.2
C 10.10.12.0/24 is directly connected, Serial0/0
when i use ip route 0.0.0.0 0.0.0.0 10.10.12.2 ..... everything works perfectly.
I think when there is no routing we preferably use ip default-gateway. but on real scenario didn't work at least with me ?