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It looks like the scenarios only have the units particular to the scenario at hand in the OOB's from the few I've checked so far. In COTA, Panther had put in scenario templates that had all of German 12th Army, W force, etc. even if some of those units never appeared in any stock scenarios.

Is there such a master stashed away somewhere?

It'd be a nice start to build 1944-45 west front OOB's for as much as possible of both side's (at least the 'paper' organic versions of divisions/etc. since task forces/KG's and other such reorgs came and went.

No, but you can build one by exporting/importing the forcelists from varios scenarios. There are already some Divisions pre-made.

The top level force lists are at the Corps level. Like simovitch says, you could gather those together to give you your armies fairly easily.