### Summary

The `scp_if_ssh` configuration is ignored due to a default value for `ssh_transfer_method`

### Issue Type

Bug Report

### Component Name

lib/ansible/plugins/connection/ssh.py

### Ansible Version

```console
$ ansible --version
```


### Configuration

```console
$ ansible-config dump --only-changed
```


### OS / Environment

N/A

### Steps to Reproduce

https://github.com/ansible/ansible/blob/26827f50393b21a87b8640387cb77ee0801155ea/lib/ansible/plugins/connection/ssh.py#L274-L283

https://github.com/ansible/ansible/blob/26827f50393b21a87b8640387cb77ee0801155ea/lib/ansible/plugins/connection/ssh.py#L1173-L1194

Because `ssh_transfer_method` has a default of `smart` the `if ssh_transfer_method is not None:` is always `True`, meaning the `else` statement that handles `scp_if_ssh` is ignored.

`ssh_transfer_method` has no host/inventory var, but `scp_if_ssh` does.  I found this targeting a host that does not support sftp.

### Expected Results

`scp_if_ssh` not ignored

### Actual Results

```console
`scp_if_ssh`ignored
```


### Code of Conduct

- [X] I agree to follow the Ansible Code of Conduct
ini:
              - section: 'ssh_connection'
                key: 'ssh_args'
          env:
              - name: ANSIBLE_SSH_ARGS
          vars:
              - name: ansible_ssh_args
                version_added: '2.7'
      ssh_common_args:
          description: Common extra args for all ssh CLI tools
          ini:
              - section: 'ssh_connection'
                key: 'ssh_common_args'
                version_added: '2.7'
          env:
              - name: ANSIBLE_SSH_COMMON_ARGS
                version_added: '2.7'
          vars:
              - name: ansible_ssh_common_args
          cli:
              - name: ssh_common_args
      ssh_executable:
          default: ssh
          description:
            - This defines the location of the ssh binary. It defaults to ``ssh`` which will use the first ssh binary available in $PATH.
            - This option is usually not required, it might be useful when access to system ssh is restricted,
              or when using ssh wrappers to connect to remote hosts.
          env: [{name: ANSIBLE_SSH_EXECUTABLE}]
          ini:
          - {key: ssh_executable, section: ssh_connection}