In order to load the Virtuosity Drums library, you need to first install the Sforzando player by Plogue. This will install a VSTi plugin, which as far as I can tell is fully supported by MPC, as well as a standalone application 'Sforzando' which can function without needing a DAW for quick playing around or live use situations. https://www.plogue.com/products/sforzando.html
Once you get the Sforzando plugin window open inside MPC (or even in standalone application mode), you can drag and drop the 'Virtuosity Drums.bank.xml' file into it as discussed above and it will be registered for all future use when you click the 'Instrument' box in Sforzando.
The process of loading and interacting with plugins is different for every DAW, so I am afraid I cannot give step by step instructions for that portion of the process. It may be beneficial to look online for videos of 'using 3rd party instrument plugins in MPC' if the MPC user manual is not sufficient.