### 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
SSH_ERROR = False
                break
        if SSH_ERROR:
            msg = "Failed to connect to the host via ssh:"
            if no_log:
                msg = '{0} <error censored due to no log>'.format(msg)
            else:
                msg = '{0} {1}'.format(msg, to_native(return_tuple[2]).rstrip())
            raise AnsibleConnectionFailure(msg)
    
    if 1 <= return_tuple[0] <= 254:
        msg = u"Failed to connect to the host via ssh:"
        if no_log:
            msg = u'{0} <error censored due to no log>'.format(msg)
        else:
            msg = u'{0} {1}'.format(msg, to_text(return_tuple[2]).rstrip())
        display.vvv(msg, host=host)
def _ssh_retry(func):
    """
    Decorator to retry ssh/scp/sftp in the case of a connection failure
    Will retry if:
    * an exception is caught
    * ssh returns 255
    Will not retry if
    * sshpass returns 5 (invalid password, to prevent account lockouts)
    * remaining_tries is < 2
    * retries limit reached
    """
    @wraps(func)
    def wrapped(self, *args, **kwargs):