You can do a presoak on a top-loader by opening the lid when the washing machine has filled with water. Depending on your machine and which cycles it has, you can figure out exactly which cycle to start and interrupt. I think I used to do a rinse/spin cycle for that.
I'm finding my fl much more finicky for cloth diapers, and I'm only using natural fibres. I don't have the option of adjusting the water level, and I wish I did, even for general clothing.
What's doing OK for me right now is a "quick" cycle in cold water with detergent and no spin, then a "heavy" cycle in hot water with the extra rinse (cold rinses) and spin, and then a "rinse/spin" cycle.
I can't say that our clothes are doing any better wear-wise than they did in the top-loaders. We replaced our previous tl machine when the dryer died, because I thought the washer was being rough on our clothes, but I can't be sure that it was any worse than the tl machines we had in our old house.