### 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
p = None
        if isinstance(cmd, (text_type, binary_type)):
            cmd = to_bytes(cmd)
        else:
            cmd = list(map(to_bytes, cmd))
        conn_password = self.get_option('password') or self._play_context.password
        if not in_data:
            try:
                
                master, slave = pty.openpty()
                if PY3 and conn_password:
                    
                    p = subprocess.Popen(cmd, stdin=slave, stdout=subprocess.PIPE, stderr=subprocess.PIPE, pass_fds=self.sshpass_pipe)
                else:
                    p = subprocess.Popen(cmd, stdin=slave, stdout=subprocess.PIPE, stderr=subprocess.PIPE)
                stdin = os.fdopen(master, 'wb', 0)
                os.close(slave)
            except (OSError, IOError):
                p = None
        if not p:
            try:
                if PY3 and conn_password:
                    
                    p = subprocess.Popen(cmd, stdin=subprocess.PIPE, stdout=subprocess.PIPE,
                                         stderr=subprocess.PIPE, pass_fds=self.sshpass_pipe)
                else:
                    p = subprocess.Popen(cmd, stdin=subprocess.PIPE, stdout=subprocess.PIPE,
                                         stderr=subprocess.PIPE)
                stdin = p.stdin
            except (OSError, IOError) as e: