ATGM's effectiveness against modern tanks is hardly spectacular, in fact it is relatively low compared to their advertisements.
Again, a very pedantic view of the issue at hand. Name one tank designed ground up to handle top attack ATGM. Also, what percentage of tanks carry active protection system capable of defeating top attack ATGM ? miniscule.
Also remember that all these ATGM's you mentioned have relatively short range, which means that their carriers or operators are well within range of MBT's main armament.
Nag have a range of what? 4000m at best? Any Pakistani or Chinese tank have gun launched ATGM with a range of 5000m. Basic infantry carried Javelin or Spike have a range of about 2000m. US is working on new Javelin variant with range increased to 4000m.
4Km in LOBL mode, 7 in LOAL mode. Nag-II plans to increase it even further.
So modern tanks can fire their ammunition even further than most ATGM's have a effective range.
For example M1A2SEPv2, as the ones on pictires above, have thermal sights with maximum 50x zoom, and new fire control system that gives it capability to accurately fire conventional (non guided) rounds up to 5000m, and there was ATGM tested on that tank, XM1111 MRM-CE, fired from it's main gun with a maximum range of 12,000m.
So good luck with trying to efficently engage modern tanks that are properly commanded and their crews are properly trained.
Good luck trying to hit a non line of sight target at 7 Km with conventional rounds. Wait, did I say non-LOS, oh wait, I totally did. You see, NAMICA in it's final version is supposed to incorporate mast mounted thermal sight (that can be raised to a height of 6 meters). Tanks can go hull down behind a hill, but they still have to be in LOS to target using conventional weaponry. Not NAMICA, it can hide behind buildings, forests, hills, fire missiles from a range of 7km, guide them till the seeker locks on and move. Since the targeting and missile, both are passive, tanks will not know what hit them till it actually hits them. Also, the missile is smokeless, so no trails to follow the attack back to the source.
What more, NAMICA is based on BMP-2, which makes it amphibious and air transportable. NAMICA brings the kind of asymmetry to armoured warfare that missile carriers of yesteryear's, which carried SACLOS and Laser guided missiles, could not.
Also, XM111 was more a tank round than a missile, the KE round was doomed to fail because the energy at those ranges would be laughably low. The CE round, again, too would have faced issues maneuvering into top attack profile at those ranges, given the very flat launch trajectory of a tank gun. I am yet to read about the possibility of top attack profile in XM111 which logic says would have been very difficult at those ranges by an unpowered projective to achieve, if not impossible, if one completely disregards the size of warhead that is left in the round after the seeker and control tail. Without top attack tandem warhead, XM111-CE would have been a glorified tank launched mortar.