Sure do get varying opinions depending on who you are listening to. Makes it even more frustrating.
Weapons like the RPG, AT4, LAW, etc with single charge warheads will damage the side/face of the target. These are the areas the Russians use their reactive armor making them harder to kill with these weapons. Dual charge rockets are a different subject.
Javelin, NLAW, and the like use a top-down or nearly that to penetrate the thinner top armor. All of these are dual-charge to defeat the reactive armor.
For the most part, if you see a picture of a destroyed Russian tank without its turret, it’s most likely a kill by Javelin, NLAW, or other ATGM. Same goes for IFVs and other armor with severely damaged roofs. Exceptions apply to this but it’s pretty convoluted. The T72/80/90s the Russians are using can be knocked out by a number of things, down to and including a well placed hand grenade. Once you get the ammo ignited, they pop their corks.
You not seeing lots of action shots because the Russians love to keep their failures quiet, and the Ukrainians want to keep their tactics and locations secret. People like me look at images and videos and can figure out a lot of information, the Ukrainians are doing a good job keeping that info locked down.