not sure if your language was Py or R, but if it’s Python, i think the basics of what you’re looking for can be found in this thing by @sbushes: https://forum.inaturalist.org/t/tool-for-exporting-inaturalist-data-to-irecord-or-elsewhere/19160.
in R, @hanly wrote a beta package to get observations, etc. from the v1 API: https://forum.inaturalist.org/t/using-r-to-extract-observations-of-a-specific-phenological-state/7007/6. i haven’t used it myself. so i’m not sure how it represents annotations, if it does at all…
i started down the path of creating an export tool in Power Automate just for my own use, but that platform has some issue handling null values in some cases. so then I was going to write something using Javascript (in Observable so that others can fork / adapt relatively easily), but i haven’t done it yet.