includeIf appears to not be working

So, I've set up includeIf before, and have had it working, but it seems to not be working in my latest attempt.

This is git 2.38.2 on Ubuntu Linux 20.04.

Contents of ~/.gitconfig (truncated):

[user]
        name = Joshua Kugler
        email = joshua@personal.com
[includIf "gitdir:~/repos/work/"]
        path = ~/repos/work/gitconfig

Contents of ~/repos/work/gitconfig:

[user]
        name = Joshua Kugler
        email = joshua@work.io

Now, if I do this:

cd /home/jkugler/repos/work/some_repo

and run:

$ git config --show-origin --get user.email file:/home/jkugler/.gitconfig joshua@personal.com

Like I said, I've set this up before, and had it working. I don't know what I'm doing differently/wrong...but would be happy to be told so.

Is there a debug command which can show if the gitdir is/isn't matching like I thought it should? What other command output could help debug this?

Thanks!

j