### 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
ini:
            - key: ssh_extra_args
              section: ssh_connection
              version_added: '2.7'
          cli:
            - name: ssh_extra_args
      retries:
          description: Number of attempts to connect.
          default: 3
          type: integer
          env:
            - name: ANSIBLE_SSH_RETRIES
          ini:
            - section: connection
              key: retries
            - section: ssh_connection
              key: retries
          vars:
            - name: ansible_ssh_retries
              version_added: '2.7'
      port:
          description: Remote port to connect to.
          type: int
          ini:
            - section: defaults
              key: remote_port
          env:
            - name: ANSIBLE_REMOTE_PORT
          vars:
            - name: ansible_port