### 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
"""Wrapper around _bare_run that retries the connection
        """
        return self._bare_run(cmd, in_data, sudoable=sudoable, checkrc=checkrc)
    @_ssh_retry
    def _file_transport_command(self, in_path, out_path, sftp_action):
        
        
        host = '[%s]' % self.host
        smart_methods = ['sftp', 'scp', 'piped']
        
        if getattr(self._shell, "_IS_WINDOWS", False):
            smart_methods.remove('piped')
        
        methods = []
        
        ssh_transfer_method = self.get_option('ssh_transfer_method')
        if ssh_transfer_method is not None:
            if ssh_transfer_method == 'smart':
                methods = smart_methods
            else:
                methods = [ssh_transfer_method]