The best description of the difference between annotating and note-taking is option 4: "Annotating involves 'marking up' a text for future reference, while note-taking involves writing down key ideas and details in an organized way."
This accurately captures the essence of both practices, highlighting that annotating typically involves interacting with the text directly (such as underlining, highlighting, or writing marginal notes) to enhance understanding, while note-taking is more about summarizing and organizing information in a separate format for review.