Make the tart dough:
In a bowl, whisk together cake flour, almond flour, powdered sugar, cocoa powder, and salt. Cut in cold butter until mixture resembles coarse crumbs. Add egg and melted chocolate chips, mixing until dough forms. Wrap and chill for 30 minutes.
Blind bake the shells:
Roll out dough and press into tart pans. Prick bottoms with a fork. Line with parchment and fill with pie weights. Bake at 350°F (175°C) for 12–15 minutes. Remove weights and bake 5 more minutes. Let cool.
Prepare pumpkin caramel cheesecake filling:
In a mixing bowl, beat cream cheese until smooth. Add pumpkin puree, powdered sugar, brown sugar, vanilla, spices, and salt. Mix until creamy. In a separate bowl, whip cream to soft peaks, then fold into pumpkin mixture. Swirl in salted caramel.
Make chocolate ganache:
Heat cream until steaming. Pour over chopped semisweet chocolate. Let sit 2 minutes, then stir until smooth and glossy.
Make white chocolate ganache:
Repeat process with white chocolate and cream. Tint with white food coloring if desired. Transfer to piping bag.
Assemble tarts:
Spoon pumpkin caramel cheesecake filling into cooled tart shells. Pour chocolate ganache on top, smoothing surface. Pipe white ganache in concentric circles on top. Drag a toothpick from center outward to create a spider web design.
Chill and serve:
Refrigerate at least 1 hour before serving to set. Serve cold and enjoy!