You missunderstood my question. By default client I mean one with GUI but without any additional settings. What I want to know is
what's the difference running GUI client without and one with server=1, in terms of usefulness for other nodes. In other words, do I
help network more if I run client as server, but I don't solo mine with it, or via some other miner software.
Also, what's the difference when running client with just server=1 and with all this commands:
server=1
rpcuser=username
rpcpassword=password
rpcallowip=127.0.0.1
?
As others indicated already above: if you add the server=1 setting, you enable the JSON-RPC interface on the client. This means that you can not only interactively (as a human user) use the client via the GUI, but that you can write some program that can communicate with the bitcoin client using this RPC interface (basically send a command to do something and/or to receive a response).
As this is potentially dangerous (you can send bitcoins with it), you can - and should - restrict access by using the rpcuser, rpcpassword and rpcallowip settings.
In terms of usefullness to other bitcoin nodes: there is no benefit at all, as other nodes only use the standard bitcoin protocol to send/receive messages from each other.
So again, don't enable the server=1 if you don't need programmatic access to your bitcoin client.