For example, since we are in the realm of speculations, I propose the following alternative to the plaintext or accessible decryption keys: the decryption could happen inside a nitro enclave making it essentially impossible to access the data without changing the application code.
I'm not saying that this is what happens, just that I don't think that one can so easily deduce that "they can access the data" just from the fact that "they send you chat history to you".
Messages are not stored in plaintext. The claim they are stored in plaintext is false.
One can have cogent arguments about one's preference for E2EE or not but the repeated claim here and elsewhere that messages are stored in plaintext is simply hearsay.
[1] https://core.telegram.org/mtproto/AJiEAwIYFoAsBGJBjZwYoQIwFM...