bug report: cloning private repo to absolute path doesn't work if gitconfig has includeIf directives

The entire description is in the attachment.

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)

What did you expect to happen? (Expected behavior)

I want to clone a private repo to an absolute path (regardless of whether the path exists or not), and it doesn't work. E.g.

What happened instead? (Actual behavior)

```
% git clone --depth=1 'git@github.com:myorg/myprivaterepo.git' '/tmp/some-new-folder'
Cloning into '/tmp/some-new-folder'...
ERROR: Repository not found.
fatal: Could not read from remote repository.

Please make sure you have the correct access rights and the repository exists. ```

However, if I remove the last argument, it works, and clones to the current directory:

``` % git clone --depth=1 'git@github.com:myorg/myprivaterepo.git' Cloning into 'myprivaterepo'... remote: Enumerating objects: 99, done. remote: Counting objects: 100% (99/99), done. remote: Compressing objects: 100% (87/87), done. remote: Total 99 (delta 7), reused 77 (delta 7), pack-reused 0 Receiving objects: 100% (99/99), 5.66 MiB | 4.71 MiB/s, done. Resolving deltas: 100% (7/7), done. ```

Public repos work if I specify an absolute path as the destination directory, e.g.:

``` % git clone --depth=1 'https://github.com/git/htmldocs.git' '/tmp/git-html-docs' Cloning into '/tmp/git-html-docs'... remote: Enumerating objects: 1028, done. remote: Counting objects: 100% (1028/1028), done. remote: Compressing objects: 100% (920/920), done. remote: Total 1028 (delta 312), reused 455 (delta 107), pack-reused 0 Receiving objects: 100% (1028/1028), 3.24 MiB | 4.13 MiB/s, done. Resolving deltas: 100% (312/312), done. ```

What's different between what you expected and what actually happened?

I'm getting an "access rights" error, instead of my repo being cloned.

Anything else you want to add:

I separate my git organisations with different SSH keys with the help of a global git config:

```
init]
        defaultBranch = main
[user]
        email = opyate@gmail.com
        name = Juan Uys
[core]
        excludesfile = /home/opyate/.gitignore
        editor = vim
        pager = less -FRX

[includeIf "gitdir:/home/opyate/Documents/code/org1/"]
        path = /home/opyate/Documents/code/org1/gitconfig
[includeIf "gitdir:/home/opyate/Documents/code/org2/"]
        path = /home/opyate/Documents/code/org2/gitconfig
[filter "lfs"]
        clean = git-lfs clean -- %f
        smudge = git-lfs smudge -- %f
        process = git-lfs filter-process
        required = true
```

And then each org's gitconfig typically looks like:

```
[user]
        name = Juan Uys
        email = juan.uys@org1.com

[core]
        sshCommand = "ssh -i ~/.ssh/org1/id_ed25519"
```

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 2.41.0 cpu: x86_64 no commit associated with this build sizeof-long: 8 sizeof-size_t: 8 shell-path: /bin/sh uname: Linux 5.15.0-76-generic #83~20.04.1-Ubuntu SMP Wed Jun 21 20:23:31 UTC 2023 x86_64 compiler info: gnuc: 9.4 libc info: glibc: 2.31 $SHELL (typically, interactive shell): /usr/bin/zsh

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