### 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
if states[state] == 'ready_to_send' and in_data:
            self._send_initial_data(stdin, in_data, p)
            state += 1
        try:
            while True:
                poll = p.poll()
                events = selector.select(timeout)
                
                if not events:
                    
                    if state <= states.index('awaiting_escalation'):
                        
                        
                        if poll is not None:
                            break
                        self._terminate_process(p)
                        raise AnsibleError('Timeout (%ds) waiting for privilege escalation prompt: %s' % (timeout, to_native(b_stdout)))
                
                
                for key, event in events:
                    if key.fileobj == p.stdout:
                        b_chunk = p.stdout.read()
                        if b_chunk == b'':
                            
                            selector.unregister(p.stdout)