Is USB bootable Ubuntu is a good option for the long run-or daily usage, or should I stay with the WSL2?
Depends. USB drives usually aren't super fast (compared to an internal drive), even with USB 3.0 and above. I wouldn't suggest it, as dual-boot will be faster, and is more commonly used. I would dual-boot instead, but it is totally do-able if you setup persistence.
So, in summary, as a daily usage basis and for coding from time to time, should I ditch Windows10 and start to use Ubuntu via a USB bootable, or should I stay in windows but use WSL2?
This is subjective. For just programming, WSL2 is just fine. But if you need something WSL cannot do, like access the webcam from Linux, you will need a proper Linux install, like on a USB stick or dual-boot.
Can I upload many files, use zoom ?
I don't know what you mean by upload many files
, but probobly. Ubuntu installed on a USB can do everything Ubuntu installed on a hard drive can. So yes, Zoom will work. That said, it might be slow, as even USB 3.0 drives aren't fast compared to a modern internal SSD.
How long one USB drive last ?
Depends on many things such as how careful you are with it, the brand, how much you use it, the specific drive, and many other factors. The proper solution is to take regular backups onto something other than the flash drive so that if it fails, your files are not gone.
Is it slower than dual-boot or WSL2 ?
I don't know what you mean by "slower". CPU benchmarks? Probobly faster. Disk benchmarks? Probobly slower, but depends on your flash drive and your system drive, of course.