14kt crosswind is not an unreasonable club imposed limit for low hour pilots, or low currency pilots.
I'll quite happily accept a higher crosswind, but not if I haven't flown in the last month. I find that the ability to deal with strong crosswinds is one of the first skills to be hit by a lack of currency.
Again, 15km viz is not unreasonable for a lower hour/low currency pilot who is navigating by DR in an area that they are not familiar with. Certainly 10km by DR in an unfamiliar area isn't much fun, if you're trying to avoid controlled airspace etc. So 15km gives a reasonable margin for a low hour/currency pilot.
Obviously as a pilots experience and currency improves, they need to be able to remove these restrictions (by proving their ability with an instructor onboad, and maintaining currency), but as a general club rule, I don't think these figures are unreasonable.
dp