Hey man I remembered your issue with the SA-10, and I may have gotten a "fix" for SF2. I say that because I'm still trying to get it to engage accurately at long range, which it didn't do, but the series of photos show that when you get closer in, it'll get you.
Note the first misses are from following the profile from the tactical map. The last photo was another shot and I tried lowering my altitude, goading it to fire and... it got me.
What I think the clincher for it hitting me is the HOJ function that you can add. I noticed this while watching an SA-2 sail over me in an A-6E in Afghanistan. It tried desperately to turn on me, but since it was so old, that it overflew me quite a bit.