You know a little bit more regarding Annie i.e. marriage to Frank Garrod and her death in 1944 which would have helped to know when I saw this post - I see you raised this before back in 2012 and 2014.
Annie McDonald married Frank Arthur Garrod 14/4/1909 Witwatersrand, Johannesburg, Transvaal - states she was 34, a spinster, born Glasgow. She had 4 children with him.
She was in fact older than 34 (actually 37) but, as stated above, shown as a spinster - this in turn makes one wonder if she was in fact actually married to said Charles Jones!!! It's a common practice in Scotland for an illegitimate child to take the surname of their father even if the parents never married. Pretty good records on familysearch.org for South Africa.
Found daughter Kathleen living with her maternal grandparents in 1911 at Kilmallie, Invernesshire. Annie's parents were John McDonald and Christina Urquhart who married 9/6/1871 Tradeston, Glasgow (he was 26, a Railway Goods Porter, son of John McDonald, farm labourer, deceased and Jane McDonald, nee McIntyre, she 30, dau. of John Urquhart, Woodsawyer Journeyman and Ann nee Fraser) and they had a total of 5 children - Annie was indeed born in Glasgow (as Ann) on 1/12/1872 Hutchesontown, Glasgow, then Jane born 20/4/1874 same place who died 25/12/1876 Cambusnethan, followed by John Urquhart born 30/1/1876 Linton, Roxburgh (later census claim it as Kelso) and then 2 more daughters - another Jane and an Isabella born ca.1878 Woodside, Perth. (1881 census states both girls were 3 years old but too many permutations to correctly identify their births in Scotlands People birth index. Whether they were born twins or one of the ages in 1881 is incorrect I don't know.
In 1881 the family are at Urquhart, Inverness and John 35 now a Forester (unemployed) shown born Argyllshire, Christina 41 born Invernesshire, with Ann 8, John 5 and Jane and Isabella aged 3.
In 1891 family are at Kilmallie, Argyll as MacDonald - John now a railway ganger, with wife Christina, son John, daughter Isabella plus his mother Jane MacIntyre aged 86, shown as unmarried.
Haven't been able to find family in 1901.
In 1851 Kilmallie John McDonald is 8 and living with his unmarried mother shown as Jean (Jean/Jane interchangeable in Scotland) McIntyre 42, both shown born Kilmallie.
So, John bc.1843 Kilmallie and brought up with his fathers name, and his mother Jane/Jean McIntyre never married.
In 1841 the Urquhart family are in Urquhart, Inverness - Christina transcribed as 'Christian' aged 4 so she was bc.1837, in 1851 family still in Urquhart with Christina transcribed as 'Cirsty'.
Just found John and Christina in 1901 - just the 2 of them in Kilmallie transcribed as MacDonald.
Annette