I got mine a couple years ago.. and love mine so no I don't think their ugly, rarely anyone sees mine though.
I honestly think you should wait a few more years before you get one, but it's really up to you I was dying to get mine so I know how you feel.
It doesn't hurt too much either (at least I didn't think so), if you end up getting one make sure you leave it in for 8 weeks before changing it and take good care so it doesn't get infected, as for swimming with it - yes you can just don't use any soaps around that area other then what the professionals suggested.
Because navel piercings are sexy, 14 is too young in my opinion to be getting one. My friends piercing shop needs you to be 16 with parental consent. That being said, I also have my bellybutton pierced. :D
I have mine done and love it. People are surprised when they find out I have one because I guess I seem super innocent, not the type to have piercings lol. But I think people should wait until 18 to get any piercing (besides ears) or tattoos. I am more mature now than I was at 16, I might have got it and regretted it. Anyways they are a really sexy piercing. Can't wait until mine is fully healed and I can change it :)
They are hot adorments to any lady but 14 is slutty and if done with parental consent not in an area where they aren't sensual adorments then the parents must be mucho stupid. Now for religious or cultural reasons I see no problem but for hecks sake at 14 that's dumb because they are sensual things and no 14 should be seen in a less than platonic light.
I just think it looks trashy and is completely pointless but if you really want one it's your body and a lot of people find them attractive, 14 is too young but since it is a piercing you can just take the ring out so it isn't such a big deal.