Okay, I'm missing something...probably something small and obvious.
I downloaded all three files, extracted the installer, ran it, then I copied over the "usergroupsconfiguration.cfg" to "C:\Program Files (x86)\Nokia\Nokia Care Suite\Product Support Tool For Store 5.0" (not that it seems to matter, as I'm having problems even when I use the default file).
I extracted both FW files to "C:\ProgramData\Nokia\Packages".
I open the "Nokia Care Suite" then open "Product Support Tool For Store 5.0", go offline, select "RM-820 (Nokia Lumia 920)" then go to "Programming -> Recovery" and the list is empty. If I click "Update list" it remains empty.
What am I doing wrong?