Numerically-simulated physical behaviors of workpiece sheet metal during a metal forming process having a predefined load path is obtained based on received FEA mesh model and mesh adjustment criteria as follows: initializing current simulation time; determining current simulation period from current simulation time and next mesh adjustment time; using characteristic length to establish a 3-D mesh refinement zone that contains a space encompassing a corresponding section of the predefined load path for the current simulation period; updating the FEA mesh model by refining those finite elements located within the 3-D mesh refinement zone to a desired level and by coarsening certain finite elements outside of the zone according to mesh coarsening criterion; conducting corresponding portion of the time-marching simulation using the updated FEA mesh model for current simulation period until current simulation time reaches next mesh adjustment time; and repeating until current simulation time passes the total simulation time period.