Descriptors are great but they're not human-readable, which is probably why the BIP doesn't make use of them.
What is not readable?
importdescriptors "[{\"desc\":\"addr(1A69TXnEM2ms9fMaY9UuiJ7415X7xZaUSg)#d5ts4kht\",\"timestamp\":\"now\",\"label\":\"Withdraw address for Binance account\"}]"
Also note that in Bitcoin Core, there is "Export" button, and you can get CSV file in your output, so the whole format for that is already established:
"Confirmed","Date","Type","Label","Address","Amount (BTC)","ID"
"true","2015-02-14T13:26:20.000","Sent to","Withdraw from Binance at 01-01-2021","1A69TXnEM2ms9fMaY9UuiJ7415X7xZaUSg","-21.61679877","c3bdad6e7dcd7997e16a5b7b7cf4d8f6079820ff2eedd5fcbb2ad088f767b37b"
However, importing labels for transactions is not implemented. You can change them, if you set them for addresses.