This has been solved, see my PS and the answers, please don't reply (in this subforum I can't close nor delete the thread) 
I recently came up with the following thought:
When I use a software HD wallet like Electrum with a passphrase, but a thief finds my seed, then the passphrase of course isn't necessary for him to simply steal my bitcoins. The passphrase only protects a wallet file, not the seed.
When I use the HD wallet with a seed extension instead (e.g. a 13th word) and store the seed and the seed extension separately, or remember the seed extension in my brain like I would do with the passphrase, then the thief can't access the coins just by knowing the "regular" seed. The extension does protect the seed (if I'm not stupidly storing them together, e.g. on the same paper). However, if he gets access to the device where I have the coins stored, then he will be able to move the coins, because the additional word(s) are simply stored in the wallet file and aren't asked when the wallet is opened.
So to avoid both security problems, I would have to set up both a "seed extension" and a passphrase. This are ideally two long and different (!) random passwords to remember or store separately.
However, if I could use the seed extension as the passphrase, I'd have almost the same level of security, but with only one word to remember.
(What I mean with that is that the seed extension is used to encrypt the wallet file, and is asked when I fire up the wallet.)
Does any software wallet software similar to Electrum offer that option? Would be really "nice to have", if there's nothing I'm missing ...
PS: I think I overthought here. If I simply use the seed extension as passphrase, this should in theory work and protect the wallet in the way I thought. For whatever reason I thought this would result in a situation where the security would be actually reduced regarding both using a passphrase and a seed extension ...
Wanted to delete the topic but it's not possible, so I leave this a couple of days to see if my thought in the PS was correct.