im guessing that the model file would be the cmesh file?
Yes the GCMESH_PC (vertices) and the CCMESH_PC (info about the vertices) files are the model. You can get a glimpse at them in this thread:
http://www.saintsrowmods.com/forum/threads/model-viewer.2748/
but I don't think there is a lot of information about those files at the moment. I'm crossing my fingers and hoping that one of the devs from Volition will give us more details.