The game files, if you mean the apk-files are generally stored on the internal sdcard and are available as movable USB storage. I don't think you even need to set it in developer mode to access the apk files. Anyway, if you set the device in the supplied developer mode it works fine. So there is no problem to load your own applications or backup downloaded games. SideQuest is a great application that simplifies this for semi-advanced users.
You can also use adb quite extensively and for example use scrcpy to dump the full screen output to a computer. Over all the Quest allows you to do most things you need.
But... The "problem" is that the Quest Android OS is locked and some things, mainly Ethernet over USB, have been disabled. You can stream video to the Quest via Wifi and play Oculus or SteamVR games that run on your computer fairly decent as it is now (using AVLR), but if Ethernet over USB was activated it could more or less replace a Oculus Rift or other wired unit completely. Oculus would likely not be happy with this since it would threaten their business/ market strategies, their segmentation of devices and the Oculus Store. But, that is why rooting the device would be interesting.