### 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
env:
          - name: ANSIBLE_SSH_CONTROL_PATH_DIR
        ini:
          - section: ssh_connection
            key: control_path_dir
        vars:
          - name: ansible_control_path_dir
            version_added: '2.7'
      sftp_batch_mode:
        default: 'yes'
        description: 'TODO: write it'
        env: [{name: ANSIBLE_SFTP_BATCH_MODE}]
        ini:
        - {key: sftp_batch_mode, section: ssh_connection}
        type: bool
        vars:
          - name: ansible_sftp_batch_mode
            version_added: '2.7'
      ssh_transfer_method:
        default: smart
        description:
            - "Preferred method to use when transferring files over ssh"
            - Setting to 'smart' (default) will try them in order, until one succeeds or they all fail
            - Using 'piped' creates an ssh pipe with ``dd`` on either side to copy the data
        choices: ['sftp', 'scp', 'piped', 'smart']
        env: [{name: ANSIBLE_SSH_TRANSFER_METHOD}]
        ini:
            - {key: transfer_method, section: ssh_connection}
      scp_if_ssh:
        default: smart