This summary is not the rule. The rule text controls.
If you file a lawsuit but later decide you want to drop it, you can usually do that without giving up your right to sue again later. This is called dismissing a case "without prejudice." But there's a timing issue that matters a lot.
If you ask to drop the case before the other side (the defendant) has formally responded or shown up in court, the judge has to grant your request without prejudice, as long as you pay the court costs. You get an automatic right to walk away and keep the option to refile later.
However, if the defendant has already appeared in the case, meaning they've filed something or shown up in court, the rules change. At that point, the judge has more control. The judge can decide to dismiss your case "with prejudice" instead, which means you would lose the right to bring the same lawsuit again. So once the other side is involved in the case, dropping your lawsuit becomes more complicated and depends on the judge's decision.