This summary is not the rule. The rule text controls.
Here's a plain English summary of this rule:
If someone is testifying as a regular witness (not an expert), they can still share their opinions in certain situations. But there are limits on what kind of opinions they can give.
First, the opinion has to come from what the witness actually saw, heard, or experienced themselves. They can't guess or speculate about things they don't have firsthand knowledge of. Second, the opinion needs to actually help the judge or jury understand the testimony better or figure out an important fact in the case. Random opinions that don't add anything useful aren't allowed.
Third, and this is important, the witness can't give opinions that require special training or expertise. For example, a regular witness could say "the car was going really fast" based on what they saw, but they couldn't say "the driver had a blood alcohol level of 0.12" unless they're an expert who tested for that. That kind of technical or scientific opinion has to come from an expert witness under a different rule.
Basically, this rule lets everyday witnesses share reasonable opinions based on common sense and their own observations, while keeping technical or scientific conclusions in the hands of qualified experts.