....And even more in a two piece 7mm wetsuit with a 7mm jacket.
Ugh! As much as I don't like my 1-piece 7mm (and it's a nice suit that fits me well), that just sounds awful!
I have dived my drysuit comfortably in water from 37F to 81F. I only dive dry in warm water on tech dives where I want it for redundant buoyancy. But, it's still comfortable - even on the surface, if the air temp is in the low 80s and there is some shade.
14mm even just over the torso... Bleh! (for me)