### 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:
            - section: defaults
              key: private_key_file
          env:
            - name: ANSIBLE_PRIVATE_KEY_FILE
          vars:
            - name: ansible_private_key_file
            - name: ansible_ssh_private_key_file
          cli:
            - name: private_key_file
              option: '--private-key'
      control_path:
        description:
          - This is the location to save ssh's ControlPath sockets, it uses ssh's variable substitution.
          - Since 2.3, if null (default), ansible will generate a unique hash. Use `%(directory)s` to indicate where to use the control dir path setting.
          - Before 2.3 it defaulted to `control_path=%(directory)s/ansible-ssh-%%h-%%p-%%r`.
          - Be aware that this setting is ignored if `-o ControlPath` is set in ssh args.
        env:
          - name: ANSIBLE_SSH_CONTROL_PATH
        ini:
          - key: control_path
            section: ssh_connection
        vars:
          - name: ansible_control_path
            version_added: '2.7'
      control_path_dir:
        default: ~/.ansible/cp
        description:
          - This sets the directory to use for ssh control path if the control path setting is null.
          - Also, provides the `%(directory)s` variable for the control path setting.