Oh honey, 14.78 in word form is "fourteen point seven eight." It's as simple as that, no need to make a big fuss about it. Just say what you mean and move on with your fabulous self.
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The word form is: thirty and sixty-eight thousandths.
Numerically you can drop the prefix zero; hence 050 = 50 50 in word form is 'Fifty'.
1.002 in word form is: one and two thousandths.
91 in word form is ninety-one.
The word form of 400000000000000000000 is: four hundred quintillion.