Gill,
Don't be afraid to go with the 2 wt if one catches your eye. For panfishing with a size 14 fly as you mentioned it would be perfect. I think what the others are saying about the 3 wt is that it has a little more punch if you decide to tie on a bigger bass type fly and might be a better "all around" type light action rod for both bass and gills although I can't speak for the others. For what you describe, a 2 wt or even smaller would be fine. You're going to have so much more fun fishing for the 'gills with a 2 or 3 wt. that I encourage you to go for it. By the way, my all around "light rod" for pan fish and bass combo is a 4 wt. which I think handles the Oklahoma wind a little better than the 3 wt. When I'm tubing though I carry 2 rods---a 2 wt with a panfish fly tied on and a 4 wt with a bass fly tied on.