This summary is not the rule. The rule text controls.
If you're being sued and forget to include a counterclaim in your response, you're not necessarily stuck. This rule lets you go back and add that counterclaim later, even after you've already filed your answer.
To do this, you need to ask the court for permission first. You can't just add the counterclaim on your own. The court will typically allow this if you missed including it by mistake, oversight, or because of some excusable reason, not because you were trying to be sneaky or unfair.
The rule also gives courts flexibility to allow the amendment whenever it would be fair to do so, even outside of those specific situations. Judges understand that people sometimes forget things or don't realize they had a claim to bring until later. This rule gives you a path to fix that, as long as you act reasonably and get the court's approval.