### 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
- This connection plugin allows ansible to communicate to the target machines via normal ssh command line.
        - Ansible does not expose a channel to allow communication between the user and the ssh process to accept
          a password manually to decrypt an ssh key when using this connection plugin (which is the default). The
          use of ``ssh-agent`` is highly recommended.
    author: ansible (@core)
    extends_documentation_fragment:
        - connection_pipelining
    version_added: historical
    notes:
        - Many options default to 'None' here but that only means we don't override the ssh tool's defaults and/or configuration.
          For example, if you specify the port in this plugin it will override any C(Port) entry in your C(.ssh/config).
    options:
      host:
          description: Hostname/ip to connect to.
          vars:
               - name: inventory_hostname
               - name: ansible_host
               - name: ansible_ssh_host
               - name: delegated_vars['ansible_host']
               - name: delegated_vars['ansible_ssh_host']
      host_key_checking:
          description: Determines if ssh should check host keys
          type: boolean
          ini:
              - section: defaults
                key: 'host_key_checking'
              - section: ssh_connection
                key: 'host_key_checking'
                version_added: '2.5'
          env: