Clip Format Conditional without script

When the clipboard format is 'files', I want to define Ctrl+V as be
Clipboard Paste
because I almost always want to keep the old filename(s).

When it is anything else, I want to define Ctrl+V as
Clipboard Paste As=Ask
because I almost always want to choose the filename immediately when pasting text or image as a new file..

In a very simple script, I can use the GetClipFormat command, and then use a conditional.

Can this be done without a script?

Not currently. Scripting is the way to go if you want that kind of conditional command.