My Eelectrum-Wallet-Dat-Files are created in 2019,
how long are they usable in newer electrum versions?
Or are they never run out of compatibility?
They
should always be usable.
Of course no one can guarantee what will happen in the future. But you will always be able to simply download an older version of electrum which works with your current wallet file to export the private keys or sign transactions.
And how likely is it that somebody can load
the dat files from an inactive usb-stick or external
harddrive without connecting it to a computer?
This sounds a little bit like sci-fi to me.
I personally never heard of a practical attack vector where someone can "load" data from a flash memory without accessing it physically.
I mean, you wouldn't need to connect it to a computer.. but you definitely would need to connect it to a device.
Because I heard that there are possibilitys to load files
from computer which is switched off.
Maybe I should delete all my wallet-dat-files and just
have the seed?
You can simply use encryption. Electrum offers you to encrypt your wallet file.
That's sufficient in your case.
If you however don't need your wallet on your computer, you are free to delete it.
Physically storing the mnemonic code is sufficient in this case.