I have an 09 and the tank is extremely hot in very hot weather, even with the tank grips. I have always felt that the tank heat was worse than the heat on the ankles. A fresh refill helps a lot. At a minimum, you should were jeans or motorcycle pants, never street pants or shorts (for safety and protection against the heat). Much as I don't ride in the rain (unless I get caught), I try not to ride when temperatures are above 85 degrees or below 32 degrees; again, unless I have to. At those temperatures, the fun factor from riding is just not there and riding becomes a chore was than fun.
By the way, heat is just not an issue with the C14. I previous bike was a Suzuki M90 cruiser. In 90 degree weather, riding the bike was miserable, with heat coming from the engine and road. Other bikers look cool when they are riding in the heat but it is not for me.