Sorry Sue, I thought I had replied!
My very sincere thanks to everyone for your efforts. Thought I would pop back and give an update.
My husband and I went down to Anakie and Geelong and visited 2 of the local history / family tree research groups as well as the Geelong Regional Library's Heritage Centre. Some of the bits I / we had found had the actual documents only available from these places.
I was hoping for 2 things in particular. The hospital record from when the Mary Anne Simmonds went to hospital in 1884
https://trove.nla.gov.au/newspaper/article/150164163, and school records.
Alas, there are 16 years just missing from the hospital records and these include the years from when Annie would have been about 5yo until after she was married, and there are no school records there at all.
Have searched through all the State Library records and Prov records with no success.
Have also been spending many hours wading through Mum's DNA matches to identify those that are matches through her other 3 sets of grandparents, those that are matches through 'Sherry' (Annie's husband's family) etc and have 2 small groups of possible matches through Annie.
Strangely, they are all more distant than I would have hoped. Looking at other matches whom we know, and using these to estimate the possible 'predicted relationships' for Mum with Annie's parents, it appears that either Annie's parents either had no other children (so the match is through their parents) or the descendents just haven't taken DNA tests... yet.
Am going to bite the bullet this weekend and order an mtDNA test in the hope that this will help, as Annie is right up our female line.
Anyway, really just wanted to let you all know that I haven't - and won't - give up trying to find them!
Warmest
Leanne