### 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: timeout
              section: defaults
            - key: timeout
              section: ssh_connection
              version_added: '2.11'
        vars:
          - name: ansible_ssh_timeout
            version_added: '2.11'
        cli:
          - name: timeout
        type: integer
      pkcs11_provider:
        version_added: '2.12'
        default: ""
        description:
          - "PKCS11 SmartCard provider such as opensc, example: /usr/local/lib/opensc-pkcs11.so"
          - Requires sshpass version 1.06+, sshpass must support the -P option
        env: [{name: ANSIBLE_PKCS11_PROVIDER}]
        ini:
          - {key: pkcs11_provider, section: ssh_connection}
        vars:
          - name: ansible_ssh_pkcs11_provider
'''
import errno
import fcntl
import hashlib
import os
import pty
import re