Looking in other stackoverflow posts and taking the help of several people I found 5 solutions for the problem of which the first one is the best for me - credit to Lucian Bargaoanu
1) based on the Automapper
http://docs.automapper.org/en/latest/Queryable-Extensions.html#explicit-expansion
In fact, there is no even need in creating the separare light class with a limited number of fields - the Automapper can ignore heavy fields and the generated SQL query will not be using them.
var ratings = _db.Ratings.Where(...).ProjectTo<Rating>(new MapperConfiguration
(cfg => { cfg.CreateMap<Rating, Rating>()
.ForMember(d => d.Comment, m => m.Ignore())
.ForMember(d1 => d1.IdUser, m1 => m1.Ignore()); })).ToList();
If you want to use the Light class like RatingView - just map to it without ignoring anything.
2) Database design
When designing your Table, dont include these heavy columns to the table and instead - create a view if you need all in one model.
Unfortunately, if you are inheriting the table it is not an option
3) EF Core Table splitting (proposed by Crypt32)
It is possible to perform table splitting using EF Core mechanism
https://learn.microsoft.com/en-us/ef/core/modeling/table-splitting
it is as well explained here
EFCore Map 2 entities to same table
I think it is possible from EF core version 3, which is on the time of writing is not available for me as I am using EF core with Oracle.
There is no need for views in the Database, there is no need to map and list all properties, but still there is a need to create these light model classes.
4) The initial solution which works as well.
https://entityframeworkcore.com/knowledge-base/44877455/get-all-columns-except-one-in-efcore
As mentioned before, the disadvantage is the need to create many light classes and to writr the cumbersome code with many properties and then to support all these entities through the evolution of your solution.
Kevin Dockx advised two other possibilities, which are both very good.
5) View creation and mapping the light model class to it as suggsted here:
https://gavilan.blog/2018/07/29/entity-framework-core-2-1-query-types-working-with-views/
The disadvatnage is the need to support light classes and the views - kind of the same issue as with the solution 3.
6) SQL queries it is possible to use the mechanism of sql queries, something like
var ratingLIghts= dbContext.Database.SqlQuery<Rating>("select ... from Ratings");
7) Linq extensions
there are suggestions to extend Linq with queries like SelectExcept as in here
How to Except Property instead of Select in Lambda LINQ
the one piece of code suggeste dthere doesnt work optimally as it just populates by NULL the columns to be excluded but the query execute don the database is reading all columns - not acceptable but I believe it is posisble to implement it differently
So, from my point of view the most elegant solution with minimum amount of code and less prone to futher refactoring potenial problems is the first one - thank you Lucian Bargaoanu!