Valued-based decision-making has been studied for decades in myriad topics such as consumer spending and gambling, but very rarely in spatial navigation despite the link between the two being highly relevant to survival. Furthermore, how people integrate episodic memories, and what factors are related to the extent of memory integration in value-based decision-making, remain largely unknown. In the current study, participants learned locations of various objects in a virtual environment and then decided whether to reach goal objects from familiar starting locations or unpredictable ones, with different penalties associated with each option. We developed computational models to test whether, when given an object to find, participants' starting location decisions reflected their past performance specific to that goal (Target-specific model) or integrated memory from performance with all goals in the environment (Target-common model). Because participants' wayfinding performance improved throughout the experiment, we were able to examine what factors related to the generalization of past experience. We found that most participants' decisions were better fit by the Target-common model, and for the people whose decisions were better fit by the Target-common model this integrative tendency may be tied to their concurrently greater performance variability with individual targets. Moreover, greater success on our task was predicted by an interaction between the ability to estimate probabilities relevant to decision-making and self-report general task ability. Collectively, our results show how related navigational episodic memories can be reflected in decision-making, and uncover individual differences contributing to such processes.