Approach to an LOM/IAF with PT (not vectors to final)

The Approach in question is SDF RWY 2 at KISW. I was coming in from the
south, nearly lined up with the inbound course of 021 degrees. I was in
touch with ATC. The LOM/IAF is called NEPCO. The ATC asked if I wanted
"direct NEPCO." I said yes. Within about 10 miles of the airport, the
controller said that frequency change was approved. I believe I was out
of radar contact by this time (radar coverage in the area is spotty).

1. Since there is no "NO PT" indicated on the chart, does that mean that
I am required to do a 180 deg turn when I reach NEPCO so I can track
outbound (201), then do a PT, then come back? That seems a little odd
to me.

2. If so, and I am assuming it is, should I have positioned myself to
approach NEPCO at an intercept that did not require a 180 deg turn to
get to the outbound course? Maybe come at it from the east?

3. Suppose that when I reach NEPCO (IAF), I am below the cloud deck.
Assume that I have switched over to unicom frequency at that point. Is
it permissible to abort the IFR approach and turn inbound for a visual
approach. Presumably, you would have to ask ATC permission to do this.
What if you can not raise ATC on the radio? Can you go visual on your
own?

-Sami
N2057M, Piper Turbo Arrow III