### 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
''' ssh based connections '''
    transport = 'ssh'
    has_pipelining = True
    def __init__(self, *args, **kwargs):
        super(Connection, self).__init__(*args, **kwargs)
        
        self.host = self._play_context.remote_addr
        self.port = self._play_context.port
        self.user = self._play_context.remote_user
        self.control_path = None
        self.control_path_dir = None
        
        
        
        if getattr(self._shell, "_IS_WINDOWS", False):
            self.has_native_async = True
            self.always_pipeline_modules = True
            self.module_implementation_preferences = ('.ps1', '.exe', '')
            self.allow_executable = False
    
    
    
    def _connect(self):