[Fix] Linked accounts show empty while Telegram loads

[roomote-roomote]

​Opened on behalf of @daniel-lxs. Follow up by mentioning @roomote-roomote, in the web UI, or in Telegram.

What changed

• Keeps the Linked Accounts loading skeleton visible while Telegram account configuration is still loading.
• Prevents the definitive empty-state guidance from flashing before Telegram availability is known.
• Adds focused coverage for the Telegram-only pending state.

Why this change was made

Telegram was the only linked-account provider omitted from the aggregate loading guard. On deployments where it was the remaining provider to resolve, Personal Settings could briefly tell users that no linked accounts were available before showing Telegram.

Impact

Personal Settings now treats Telegram consistently with the other account providers. Existing linked-account rows, empty-state guidance after loading completes, and link/unlink actions are unchanged.

The regression was reproduced with a failing component test on current develop, then verified with the corrected pending-state behavior. Authenticated desktop and mobile captures below show the responsive loading treatment using a disclosed simulated pending-only state on the real Settings page; they do not exercise Telegram's backend or authorization flow.

Screenshots

Desktop

Mobile

[roomote-community]

No code issues found. See task

_{Reviewed 18fa23c}