I am not sure if the Spike variants have a top attack
capability. But on most sites, they mention a loft trajectory.
However, I believe loft trajectory does not necessarily mean that
its a top attack capable.
And from what I understand, the SPIKE does have a tandem warhead,
(not sure about SAF variant). But from what I hear, I believe its
common practice to double target a hard target such as an MBT.
Just to add a few notes to consider
The METIS is essentially a TOW type of ATGM. Operator guides it
very a thermal imager, and it sends the necessary corrections down
the wire.
The KORNET, is a laser guided ATGM.
Javelin, infrared imaging seeker onboard the missile. Fire n forget
capable.
SPike, also Imaging infrared seeker, Fire and forget capable.
In terms of guidance, u can see which are the ones that r more
advantageous to survival after launch. =D