Like Micah said, your character has incomplete knowledge. However, you are not your character. Even if you're the type of gamer who completely immerses yourself in your character, you don't have your character's memories or experiences. You don't. The only way you could is if you were playing yourself in the actual, real world, in which case... that's kind of unusual.
So if you want your character to go to their favorite pub, you either have to make it up (potentially as part of their background, potentially on the spot) or let the GM make it up. This doesn't mean you're being railroaded! It just means that you are not your character.
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This is dependent on two things: how good the GM is on describing the scenary (maybe you haven't had many GMs who are good at that), and on how much the players are willing to sit there and listen to scenery porn (not every player has the patience for such a thing).