delgeo,
CAD surfaces are sometimes the start of an FE model. Each of us are trying to understand whether those surfaces represent a structure of thin plates or a mass block. The CAD represetation just gives geometry. Now you need to understand the element theories so you know whether to use that geometry in building a brick model, plates, beams...what are you trying to model. AS SWComposites pointed out, if you use beams where you need bricks, your results could be "rubbish".
Algor is a great tool, but you need to understand degrees of freedom, element types, even convergence theories to start to realize the limitations and power of FEA. This is true of any tool, not just Algor.
It sounds like you need a good course in FEA, not just some training using Algor. Even back to your original question of a 3D surface model or 3D solid model...the answer is you can use either one, but do you understand what to do with it when you get it into your FEA package?