Two cables won't fly, most likely
Splitting the wiring here between two 14/2 cables would be a 310.10(H)/300.3(B) violation for having unbalanced currents in each of the cables. Using a 14/2 and a 14/3 is likely to be a non-option as well, as many fan/light controllers assume a common always-hot for both sides of the control, again bringing unbalanced currents into play.
Smurf (tube) to the rescue, though!
While 14/4 or 14/2/2 will definitely work for this application (check with your local electrical supply house -- they should be able to get you decent pricing on this stuff if big-box is gouging you on it), there is another option as well -- running an ENT ("smurf tube") between the switch box and the fan box. A 1/2" trade size ENT can fit 11(!) 14AWG THHN wires alongside a bare 14AWG ground, and also gives you the flexibility to use the rainbow to your advantage, selecting wire colors based on application instead of being bound by the monotone of NM cable. Furthermore, it makes adding additional wires to that loop later trivial compared to ripping out and replacing a cable, alleviating concerns about having to provision an unused neutral now.
You'll need boxes with 1/2" conduit knockouts though, or to carefully make your own KOs with a KO punch set or KO holesaw (a 1/2" trade size KO is 7/8" in diameter to accommodate a standard conduit connector or cable clamp) if you have cheap plastic boxes without conduit KOs. Also, stranded THHN is your friend here -- it is far easier to work with than solid wire due to its flexibility.