I speculate if I may.
Perhaps ROWE and ROWLANDS could be explained thus, .... perhaps Annie's literacy skills were not of university standard. So that if she could sign her nee name it could be that the 19thC handwriting has been mis understood as two separate words, depending on the context of course. Could it be that ANNIE ROWLANDS was mis read as "Annie Rowe AND" (then another noun to follow the 'and')
ROWLANDS
Rowlands
Rowland
Roweand
Rowe and
Hope this helps, and is not side tracking you but taking you back to the Emily Matthews birth at Rutherglen with younger older (oops) siblings at Chiltern, as found by Merlin.
Cheers, JM