From what I understand in this part, you will not lose the coins and there's a workaround, but I don't really understand the process.
No, there is no workaround. Read what I said again:
Since segwit has already activated, such a fork would result in you losing any and all money that is in a segwit output, both nested and native.
What I described later is how miners would actually spend the segwit outputs to steal your money. There is no workaround to not have your money stolen after such a hard fork. The only thing you can do is sent all of your coins to non-segwit outputs before the fork happens.