[BUG] cannot git clone with includeif onbranch

Hi,

below the bug report, not totally sure this is a bug btw.

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Thank you for filling out a Git bug report! Please answer the following questions to help us understand your issue.

What did you do before the bug happened? (Steps to reproduce your issue)

Perform a git clone https with includeif onbranch in the .gitconfig

Create a .gitconfig
with
[includeIf "onbranch:wip/pippo/**"]
         path = ~/.gitconfig.pippo.inc

git clone https://github.com/analogdevicesinc/no-OS.git

Cloning into 'no-OS'...
BUG: refs.c:2083: reference backend is unknown
error: git-remote-https died of signal 6

What did you expect to happen? (Expected behavior) Proper clone

What happened instead? (Actual behavior) Error above

What's different between what you expected and what actually happened? I cannot clone

Anything else you want to add: I am assuming that cloning is outside from any gitdir so should ingnore onbranch.

Please review the rest of the bug report below. You can delete any lines you don't wish to share.

[System Info] git version: git version 2.44.0 cpu: x86_64 no commit associated with this build sizeof-long: 8 sizeof-size_t: 8 shell-path: /bin/sh uname: Linux 6.5.0-rc2-devel-00345-gc2782531397f #2 SMP PREEMPT_DYNAMIC Sun Jul 23 12:25:41 CEST 2023 x86_64 compiler info: gnuc: 13.2 libc info: glibc: 2.39 $SHELL (typically, interactive shell): /bin/zsh

[Enabled Hooks] not run from a git repository - no hooks to show