hx-swap="none" prevents HX-Retarget

Hi! I think I found some unexpected behavior around setting `hx-swap="none"` in a form.
It's easy to bypass but want to understand what's happening or perhaps offer an update to the docs.

# Code
The following code fails to swap in the alert when an error occurs:
```html

...
Submit

```

```go
func (h *Handler) Submit(c *gin.Context) {
...
# error handling
if err != nil {
c.Header("HX-Retarget", "#flash-message")
c.Header("HX-Swap", "innerHTML")
component := views.FlashError(err)
component.Render(c.Request.Context(), c.Writer)
return
}
...

# happy path
c.Header("HX-Redirect", "/yay")
c.String(http.StatusOK, "Success")
}
```

# Behavior
When there is no error, the redirect occurs as expected.
When there is an error, the request goes through "successfully".
When checking the response in the network tab, I see that the headers are set to the expected values:
- HX-Retarget = "#flash-message"
- HX-Swap = "innerHTML"

But the flash error message HTML from the response is not swapped in.

# Expected Behavior
I thought the `#flash-message` content would get swapped in.

NOTE: removing the `hx-swap="none"` allows this to work.

# Suggestion

I see that an Out of Band swap would work but maybe with `hx-swap="none"` it prevents any in-band responses, even if it's a retargeting that occurs through header changes? If this is the expected behavior, I would update the docs to include that setting `hx-swap="none"` will prevent the use of a swap via HX-Retarget.

But I can also see this being a bug because I would expect a header change using HX-Retarget to override the "normal" (in-band) paths.

# Context
Docs say:
> does not append content from response (Out of Band Swaps and Response Headers will still be processed)

[docs](https://htmx.org/docs/#swapping)

HTMX Version: `2.0.6`