Let $k$ be a field, and $R=k[[t]]$ the ring of power series over $k$ in one variable. Then the Jacobson radical $J$ consists of the power series with zero constant term.
Take $I=\mathbb{N}$, and $K$ the submodule of $R^{(\mathbb{N})}$ generated by the elements $$(1,t,0,0,\dots), (0,1,t,0,\dots),(0,0,1,t,\dots),\dots.$$ Clearly $K+J^{(\mathbb{N})}=R^{(\mathbb{N})}$, but $K\
eq R^{(\mathbb{N})}$ since the last non-zero coordinate of any element of $K$ has zero constant term. So $J^{(\mathbb{N})}$ is not superfluous.