Maybe I'm missing something, but should annotations be tied to a particular document, rather than embedded in the item? One could include the same item in multiple annotated bibliographies and the notes would be specific to that bibliography, not to every reference to that item. For example, the same work might appear in a bibliography for undergraduate students with one note ("An excellent, accessible guide to the field") but in another bibliography, for more advanced users, with a different note ("A basic introduction but somewhat incomplete").
If you want to have annotations per document, just type the annotations directly into the Word document.
The annotations in the item data fits a common workflow of using Zotero to organize your research notes and thinking, rather than merely as a bibliographic database.
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https://www.zotero.org/styles?q=annotate
One could include the same item in multiple annotated bibliographies and the notes would be specific to that bibliography, not to every reference to that item. For example, the same work might appear in a bibliography for undergraduate students with one note ("An excellent, accessible guide to the field") but in another bibliography, for more advanced users, with a different note ("A basic introduction but somewhat incomplete").
The annotations in the item data fits a common workflow of using Zotero to organize your research notes and thinking, rather than merely as a bibliographic database.