sftp: Fix SSH key PEM loading

For SSH authentication, `key_pem` should both override `key_file`
and not require other SSH authentication methods to be set.

Prior to this fix, rclone would attempt to use an ssh-agent
when `key_pem` was the only SSH authentication method set.

Fixes #4240
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Gitea Version: 1.28.0+dev-477-g8b6ad49a5f