### 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
else:
            
            scp_if_ssh = self.get_option('scp_if_ssh')
            if not isinstance(scp_if_ssh, bool):
                scp_if_ssh = scp_if_ssh.lower()
                if scp_if_ssh in BOOLEANS:
                    scp_if_ssh = boolean(scp_if_ssh, strict=False)
                elif scp_if_ssh != 'smart':
                    raise AnsibleOptionsError('scp_if_ssh needs to be one of [smart|True|False]')
            if scp_if_ssh == 'smart':
                methods = smart_methods
            elif scp_if_ssh is True:
                methods = ['scp']
            else:
                methods = ['sftp']
        for method in methods:
            returncode = stdout = stderr = None
            if method == 'sftp':
                cmd = self._build_command(self.get_option('sftp_executable'), 'sftp', to_bytes(host))
                in_data = u"{0} {1} {2}\n".format(sftp_action, shlex_quote(in_path), shlex_quote(out_path))
                in_data = to_bytes(in_data, nonstring='passthru')
                (returncode, stdout, stderr) = self._bare_run(cmd, in_data, checkrc=False)
            elif method == 'scp':
                scp = self.get_option('scp_executable')
                if sftp_action == 'get':
                    cmd = self._build_command(scp, 'scp', u'{0}:{1}'.format(host, self._shell.quote(in_path)), out_path)
                else:
                    cmd = self._build_command(scp, 'scp', in_path, u'{0}:{1}'.format(host, self._shell.quote(out_path)))
                in_data = None
                (returncode, stdout, stderr) = self._bare_run(cmd, in_data, checkrc=False)