The difference between a refreshing chill and a harrowing cold can just be an extra sweater under your coat and a good attitude. As long as it isn't very windy, it's easy to make 14 comfortable.
Below a certain temperature, it hurts to be outside for any nontrivial amount of time. That is a strong disincentive to go outside, no matter how many sweaters you're wearing.
Now I'm usually talking about over -10C (14F) but a lot of people seem to think even that is too cold but just don't wear proper clothing.
No, no it is not.
And I say this as someone who enjoys the cold. No matter what, if it's 14 degrees outside, I'm only going out if I absolutely must. There's no hanging out in the parking lot during lunch in that kind of weather.