### 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
#const: ANSIBLE_SSH_EXECUTABLE
          version_added: "2.2"
          vars:
              - name: ansible_ssh_executable
                version_added: '2.7'
      sftp_executable:
          default: sftp
          description:
            - This defines the location of the sftp binary. It defaults to ``sftp`` which will use the first binary available in $PATH.
          env: [{name: ANSIBLE_SFTP_EXECUTABLE}]
          ini:
          - {key: sftp_executable, section: ssh_connection}
          version_added: "2.6"
          vars:
              - name: ansible_sftp_executable
                version_added: '2.7'
      scp_executable:
          default: scp
          description:
            - This defines the location of the scp binary. It defaults to `scp` which will use the first binary available in $PATH.
          env: [{name: ANSIBLE_SCP_EXECUTABLE}]
          ini:
          - {key: scp_executable, section: ssh_connection}
          version_added: "2.6"
          vars:
              - name: ansible_scp_executable
                version_added: '2.7'
      scp_extra_args:
          description: Extra exclusive to the ``scp`` CLI
          vars: