This summary is not the rule. The rule text controls.
When a regular witness testifies (someone who isn't an expert), they usually have to stick to describing what they actually saw, heard, or experienced. But sometimes a witness needs to give a short opinion to help explain their testimony clearly. This rule allows that, as long as two things are true: the opinion is based on what the witness personally observed, and the opinion actually helps the judge or jury understand the testimony or figure out a fact in the case.
For example, a witness might say someone "seemed drunk" or was "driving fast" instead of listing out every small detail that led them to that conclusion. This kind of opinion is allowed because it's a natural way people describe what they observed, and it helps others understand the situation.
The rule also lets a person give their opinion about the value of their own property or services. So if someone owns a car or a business, they can testify about what they think it's worth, even though they're not a professional appraiser. This makes sense because people usually have a good understanding of the value of things they own or work with directly.