Well, with my test site in debug mode I added a test settings group with one test setting, with the product set to vbulletin, and when I download the xml my settings group and setting are there. The descriptions aren't in that file, they're saved as phrases. I believe the point of the settings download is to save the *values* of the settings, not to create settings or groups, which is probably why you're not having any luck just editing the file and inserting them.
If you want to save not the value of the settings but the settings themselves, you should create a product and make your settings part of that product. Then when you export the product it should contain everything needed to recreate the settings.
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