Apparently overheating is software related (at least Apple have acknowledged they're working on an update) but the NFC chip thing appears to be certain cars (BMW & Mini) Qi chargers / overheating on other chargers that's killing the chip. That seems like a production design fault to me.
15 is going through some issues right now - overheating, NFC chip dying on wireless chargers. I would either wait for that to resolve or go 14 pro